Personal Loans


At Old Point National Bank, we have just about as many ways to lend money as you have plans to use it. From the practical to the extravagant, we can help put your plans into action. And if you make your loan payments through automatic deduction from an existing Old Point account, you’ll get a discount off our already competitive loan rate. At Old Point you deal with a manager or loan officer for the entire loan process. This means no third-party loan brokers to deal with and you get your answer quick.

Click here for Old Point's Fax-Back Credit Application


Consumer Loans

If you are looking for a loan with highly competitive rates and flexible terms, check out our installment plans or any of our other consumer loan options. We have consumer loans available for just about every purpose.


Home Equity Loans and Lines of Credit

Old Point can also help you finance your plans with a Home Equity Loan or Home Equity Line of Credit. Both allow you to borrow against the equity in your home and may have the added advantage of tax deductible interest*. With their fixed rate and fixed term of repayment, Home Equity Loans are great for one-time expenditures. You can use them for:

  • Room Additions

  • Swimming Pool

  • Other Home Improvement Projects

Home Equity Lines of Credit are more open-ended than loans. They feature variable rates and revolving payment schedules. To access the funds, simply write one of your Equity Line checks. Since you choose how much or how little you need, it makes it easy & convenient to pay for:
  • Education Expenses

  • New Cars

  • Vacations

  • Ongoing Home Repairs & Improvements

*Consult a tax advisor regarding the deductibility of interest.


Our Rates

Contact your nearest Old Point branch for more information on our current rates and terms. We have loan specialists who will take time to discuss with you the best way for you to finance what you need and will help you to choose the right loan for your personal situation.