Virginia Commonwealth Bank

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Personal Lending

At Virginia Commonwealth Bank, we offer a variety of lending options to fit your borrowing needs. You can choose from any of the lending types below ... than call or see one of our loan officers at your local branch.

You'll also have the advantage of working with your neighborhood bank for the personal attention and friendly service you deserve. And because we're a community bank and our management is right here in town, we're able to provide quick approvals and flexible terms.

Personal Loans

Virginia Commonwealth Bank has partnered with Lending Club, a trusted credit
marketplace, to provide customers a lower-cost alternative to a traditional
personal loan. Lending Club is the world's largest online credit marketplace. They use technology to operate a credit marketplace at a lower cost than traditional bank loan programs, passing the savings on to borrowers with lower rates. Hundreds of thousands of customers have used a personal loan to eliminate their high interest debt, kick-off a home improvement project or make a major purchase. Click here to learn more or apply today!

Click here to learn more or apply today!

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Home Equity Loans or Lines of Credit

Use the equity you've built in your home to finance home improvements, that dream vacation or for your child’s education expenses. Home equity loans have a fixed rate, term, and payment. Home equity lines of credit are a variable rate loan generally tied to the Prime Rate. Both put the equity in your home to work for you. For both types of equity programs, no closing cost options may be available as well as the interest may be tax deductible. (consult your tax advisor)

Visit our mortgage center to learn more or apply today!

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Construction Loans

Haven’t found that perfect home, but have found the house plans to build it?
Ask your VCB Lender about our construction or construction/permanent loans.




Whether you are looking to buy a new home or refinance your existing mortgage, VCB has mortgage options to help you with your financing needs. We offer both conventional fixed and adjustable rate loan options with flexible terms.

Visit our mortgage center to check rates or sign up for our rate watch, calculate possible payments, and learn more about available options.  And when you are ready to apply, you can apply online!

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Credit Cards

Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that’s right for you!

Learn more VCB Credit Cards




Useful Links
Click a link below to get more information.

Privacy Policy
Reorder Checks
Obtain Credit Report

Since Virginia Commonwealth is a small bank, dedicated to serving the needs of our local communities, deposit accounts and loan applications are accepted only from residents of the communities served by our branch offices and their surroundings.