Loan Products

Smart borrowing is an important part of your financial well-being. Bank of Central Florida gives you the tools and loan options you need to maximize your buying power while minimizing your borrowing costs. Contact one of our experienced private bankers to find the right loan solution to fit your budget.

Home Equity Lines of Credit

Bank of Central Florida offers a variety of terms for home equity lines of credit that enable you to take advantage of the equity in your residence. And we make it easy to access the funds when you need them. Advances are as simple as writing a check or transferring funds to your account using Online Banking. The interest on your loan may even be tax deductible (consult your tax advisor).

Residential Mortgage Loans

Whether you are purchasing a new home or simply refinancing, Bank of Central Florida can provide you with a mortgage tailored to your specific needs. We offer financing for your primary home, second home or investment property. We also originate construction to permanent financing for new homes, loans for the reconstruction and/or improvement of existing homes and residential lot loans.

Other Consumer Loans 

  • Personal Lines of Credit
    Obtain a personal line of credit that you can draw against at any time for virtually any purpose—unexpected emergencies, the purchase of new appliances or protection against overdrafts. You can borrow up to your credit line limit repeatedly for as long as your line of credit is open and pay interest only on the outstanding balance.
  • Personal Term Loans
    If there is one thing we can all use, it’s a little extra cash. Whether you need financial assistance to provide your child with that dream wedding, pay your taxes or take the vacation of a lifetime, Bank of Central Florida is a great source for the financing you need with fixed monthly payments.
  • Auto, Boat and RV Loans
    Bank of Central Florida can put you in a new or used car, boat or the RV that you have always dreamed of. Our flexible terms and competitive rates make it easy to put you in the driver’s seat.
  • CD Secured Loans
    Make your hard-earned money work even harder by borrowing against the funds you have deposited in your Bank of Central Florida Certificate of Deposit. Not only do we offer flexible terms and low rates, but your CD continues to earn interest.

Credit Cards

With Bank of Central Florida’s Visa® and MasterCard® credit card options, you’ll enjoy the benefits of worldwide acceptance, reward points, no annual fees, cardholder protections and travel benefits. We make it easy to choose the credit card that is right for you.

All loans are subject to normal credit approval procedures and credit standards.