Personal Loans & Borrowing
A Loan, and a Banker Who Knows Your Name
Compare home equity, vehicle, personal, and credit card options with help from a local banker who understands your community and works on your timeline.
Decision Basics
Loan Types
HELOC, Auto, Personal, Cards
Approval
Usually within 24 hours
Terms
Flexible
Prepayment
No penalties
Quick Guide
Which Loan Fits Your Need?
Best for large, flexible needs
Home Equity & HELOC
Competitive fixed & variable rates
There's real value built up in your home. A HELOC or home equity loan turns that equity into funds you control — for the project you've been putting off, consolidating debt, or a big life goal.
- • Competitive fixed and variable rates — call for today's rates
- • Flexible repayment terms
- • HELOC draw period up to 10 years
- • Local Virginia underwriting — real decisions by real people
Best for vehicle purchases & refinancing
Auto, RV & Boat Loans
Terms up to 84 months
Finance a new car, truck, RV, or boat — or save by refinancing a high-rate loan you already have. Decisions made right here, with none of the big-bank red tape.
- • New & used vehicle financing
- • Flexible terms up to 84 months
- • Quick, local approval — usually within 24 hours
- • No prepayment penalties
Best for smaller, fixed needs
Personal Term Loans
Fixed monthly payments
One payment, one rate, one banker you can call by name. Whether it's a surprise expense, a home repair, or debt you'd like behind you, we make it simple — with the answer coming from right here.
- • Fixed monthly payments — know exactly what you owe
- • Processed in Virginia by people who know your community
- • Fast decisions — usually within 24 business hours
- • No collateral required for certain amounts
Best for everyday spending & rewards
Personal Credit Cards
0% Intro APR on qualifying cards
Add your card to your digital wallet and start earning rewards the same day you're approved — Edge for cash back, Summit for travel and dining. Pick the one that fits how you actually spend.
- • 0% Intro APR on qualifying cards
- • No annual fee options available
- • Zero fraud liability — 24/7 monitoring
- • Add to Apple/Google Wallet instantly upon approval
Prefer to Talk It Through?
A local banker helps you find the right fit — not just stamp an application.
Ready When You Are
Not Sure Which Loan Fits?
Tell a BRB banker what you're working toward — a project, a deadline, or just a question — and we'll figure out the structure that actually fits.