Personal Loans & Lines of Credit

Get a personal loan that fits your needs.

Finance a large purchase, free up cash for investing or consolidate debt with flexible options and competitive rates. 
Borrow up to $1 million with a secured or unsecured personal loan or line of credit.1,2

A Dedicated Relationship Manager

All lending accounts are supported by a Relationship Manager who will help guide you through the entire application process for a personal loan or line of credit.

Rate Discounts

Get a 0.25% interest rate discount on your personal loan or line of credit when you make automatic payments with a City National Bank checking account.3

Predictable Monthly Payments

Take advantage of competitive rates and various term options with a secured or unsecured personal loan.

Easy Access to Funds

Borrow the money you need, repay it, and borrow again with a revolving personal line of credit.


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FAQs

Pay for home renovations, medical fees, wedding expenses and more.2 Or use a personal loan or line of credit to pay off debt at a potentially lower rate.

A personal loan can either be secured or unsecured. With a secured loan, you can pledge collateral, such as cash, stocks or bonds, in the event you may not meet underwriting requirements for an unsecured loan.

An unsecured loan is the most common type of personal loan and do not require collateral. However, late or missed payments may negatively affect your credit score.

Once approved, personal loan funds are disbursed to your City National bank account in a lump sum. Payments are made monthly at a fixed or variable interest rate for a predetermined term.

Applicants must complete and submit an application in addition to providing proof of income and assets. You may be asked to provide current pay stubs, tax returns and/or entity documents (if applicable). Find your local City National Bank branch to get started.

Unlike an auto or mortgage loan, personal loans can be used for most large purchases such as home repairs or remodeling, medical fees, wedding expenses, debt consolidation and more.2

Interest rates on personal loans are generally lower than credit cards and are fixed or variable for a set period of time. Once approved, you can choose a repayment plan best suited for you.

And, with an unsecured personal loan, you are not required to provide collateral (e.g. real estate or stocks) in case you are unable to make payments.

With an unsecured personal loan, you are not required to provide collateral (e.g. real estate or stocks) in case you are unable to make payments. Instead, unsecured loans apply interest to the amount of your loan. Factors like income and credit score help determine your approved interest rate. A lower rate helps you pay less in the long run.

To compare, with a secured personal loan, you can pledge collateral, such as cash, stocks or bonds, in the event you may not meet underwriting requirements for an unsecured loan.

With a revolving line of credit, you will have access to a specific credit limit that you can use for any permissable purpose. You can access as much of the credit line as you need, as long as you don't exceed your credit limit, and you will pay interest only on the amount that you use. You can repay the loan and borrow again, up to your credit limit.

1. Subject to credit approval. Secured loans and lines may allow for higher loan amounts or credit limits. 

2. Secured loans may not be used to finance post-secondary (after high school) education expenses (such as, for example, tuitions and fees, books, supplies, miscellaneous personal expenses, room and board, and an allowance for any loan fee, origination fee, or insurance premium charged to a student or parent for a loan incurred to cover the cost of the student's attendance). A secured line of credit, equity line of credit or other open-ended revolving line of credit may be used for financing such education expenses. 

3. If you have a City National Bank personal checking account and elect the automatic payment feature, you will receive a 0.25% interest rate discount. If automatic payments are canceled or discontinued for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase.