Community Banking that keeps your interests in mind

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Personal Loans

From consumer loans to home equity lines, VNB helps you get access to the money you need to improve your life. We make sure you have easy access to a decision maker, a fast response, and a clear understanding of the terms of the loan.

CASH RESERVE

  • Overdraft protection
  • Lines available from $2,500
  • Access through the associated VNB checking account
  • Monthly repayment of 5% of the outstanding balance, minimum payment of $25
  • Automatic deduction of the monthly payment is available
  • No prepayment penalty

INSTALLMENT LOANS

  • Personal loans for cars, boats, and other personal needs
  • Quick response from local decision makers
  • Flexible loan rates and terms
  • Automatic deduction of the monthly payment is available

HOME EQUITY LINE OF CREDIT

  • Personal line of credit secured by personal residence
  • Access by writing a check or through online banking
  • Automatic deduction of the monthly payment is available
  • Closing costs of up to $2,000 are paid by VNB
  • A fee may apply for early closing
  • Learn more...

PERSONAL LINES OF CREDIT

  • Access by writing a check or through online banking
  • Various repayment options are available
  • Automatic deduction of the monthly payment is available

CONSTRUCTION/PERMANENT LOANS

We want to help pave your way to a happy home building experience.  Virginia National Bank offers a two-part construction-to-permanent loan.  The first part is the construction loan, and the second is permanent financing.  Click here to learn more…

OTHER TYPES OF PERSONAL LOANS

  • Residential Mortgage (1st lien)
  • Home Equity Loan (2nd lien)
  • Lot Loan
  • Land Loan
  • Bridge Financing

Experience the peace of mind by having an expert local lender advise you on your personal lending needs.  They will provide you the guidance needed to maximize your financial well-being.

Do not hesitate to contact one of our consumer lenders directly for questions, rates and general information; they are happy to help!

Cassie Mankins
Winchester Offices
Winchester, Virginia
Phone:  540.665.8882
Email:  cassie.mankins@vnb.com
NMLS# 775787

Vicky Schafer
Orange Office
Orange, Virginia
Phone:  540.672.6720
Email:  vicky.schafer@vnb.com
NMLS# 775790

Tammy Shiflett
Barracks Road Office
Charlottesville, Virginia
Phone:  434.817.8554
Email:  tammy.shiflett@vnb.com
NMLS# 845264