All Capital Bank

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At All Capital Bank, we’re here to help provide any financial support you may need. We offer both business and personal loans to help get you the money you need today for whatever you may need it for.

Our Loan Management Team

You can contact our Loan Office at 918-479-5225. There you’ll be able to speak with one of our loan officers who are dedicated to helping you reach your financial goals.

Loan Terms You Need to Know

While everyone on our loan team is there to help you understand the terms and conditions of your loan, the more you know, the better you’ll feel about your financial future. The following loan terms are common in both business and personal lending services, so take the time to familiarize yourself with each one before starting the loan process.
When you get a secured loan, you’re putting your assets up as collateral. This means your lender can take those assets if you are unable to repay your loan.
An unsecured loan does not require collateral. However, because they are riskier for the lender, you’ll find these loans have higher interest rates.
Also known as a term loan, this is a common loan type that uses fixed monthly payments over time to repay the loan.
Revolving credit is what allows you to make minimum monthly payments instead of repaying a loan all at once. When you reach the end of a billing cycle, your remaining balance is carried over as long as you don’t exceed your predetermined credit limit.
Lenders make money by charging an interest rate on your loans. For each billing cycle that you have a remaining balance on, your account is charged a percentage of that amount as extra that you have to pay off.
When you get a fixed rate loan, your interest rate is the same, no matter what happens. Even if your credit score drops or you take out another loan, your interest rate will remain.
A variable rate loan will change its interest rate according to the prime rate each billing cycle. These loans tend to have lower interest rates when you start, but the risk is that the prime rate can increase dramatically over time, increasing your interest rate as well.

Types of Loans Available at All Capital Bank

At All Capital Bank, we’re dedicated to providing financial support to our local community. We can provide lending services for any number of projects or business needs you have.
Personal Loans
When you get a personal loan, you can use that money for anything. Maybe you need an emergency car repair or have an upcoming home improvement project. No matter what you have going on in your life, a personal loan can help get you through a tough spot. Many personal loans tend to be unsecured, so you don’t have to worry about having the right assets to put up as collateral.
Auto Loans
Auto loans are a specific type of personal loan used just to help finance a car. However, unlike most personal loans, auto loans are secured, and your vehicle serves as collateral. If you fail to make your payments each month, the lender can repossess the car.
Mortgage Loans

Buying a house can be pricey, and most homeowners use a mortgage to help get them moved in. Like an auto loan, mortgage loans are secured, and the property itself is collateral. Failure to make mortgage payments can lead to foreclosure, but at All Capital Bank, we work with you to help you keep your home if you are facing financial difficulties and having trouble making your monthly payments.

Debt Consolidation Loans

High-interest rates can make paying off certain loans feel like a never-ending battle. If the interest rate and loan amount is high enough, it can take years to even make a dent in your debt. A debt consolidation loan can offer lower interest rates and simplified repayment by paying off your current loans and offering a better deal on a new one.