Personal Loans

Whatever your needs, we can help.

Personal Loans

Whatever your needs,
we can help.

Personal Loans & Lines of Credit


Personal Unsecured Loan

Get access to the funds you need without the need for collateral.

Loan amounts from $2,500 to $25,000. Terms up to 60 months.*

Personal Unsecured Line of Credit (Masterline)

Always have access to immediate funds with this flexible borrowing tool with no need for collateral.

Line amounts from $2,500 to $20,000. An M&F Bank checking account is required for a personal unsecured line of credit.


Time Deposit Secured Loan

Use your time deposit account as collateral for a loan, and enjoy a more favorable rate while still earning interest on your deposits.

Time Deposit Secured Line of Credit

Take advantage of this flexible borrowing tool so you’ll always have a ready source of funds for big projects like home improvement and unexpected expenses that arise.

Secured Consolidation Loan

Simplify your life by combining multiple loans into one, giving you a single monthly payment and maybe even a lower interest rate.

*60 month term available for loans from $15,000. Applicants must be at least 18 years of age, and a U.S. citizen or U.S. resident alien to apply for a M&F Bank loan. At this time, we only process applications for North Carolina residents.

Auto Loan

Finance the purchase of your next car or truck – or use the equity you have in a vehicle you’ve already paid off to secure a consolidation or other type of loan.

Minimum loan amount $7,500.

Home Equity Line of Credit

Open a line of credit secured by the equity in your home, and know you’ll be covered for upcoming or unplanned expenses large and small.

Minimum line of credit amount $20,000.00.

Credit Cards

Access what you need to handle unexpected expenses such as car repairs, major appliance purchases or other emergencies, and to stretch budgets to cover unexpected costs.

Loan Calculators

Personal Loan Calculator

Auto Loan Calculator

Mortgage Calculator

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