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Consumer Loans

Personal loans with a friendly personal touch. CVNB serves the local community with the right loan solutions for their financial needs.

Loan options with flexibility

A personal loan gives you greater flexibility when it comes to financing a major purchase or expenses. Talk to CVNB about how a personal loan vs. a line of credit can help when you need it most. CVNB offers secure and unsecured loan options with competitive rates and loan payment terms so you can borrow with confidence.


From new or luxury cars and later year models to rebuilt or vintage automobiles, CVNB finances all types of vehicle loans. Customers benefit from competitive interest rates, flexible repayment terms on their car loans, and simplified, one-on-one service with their CVNB banker.

Boats and houseboats

Unlike bigger banks elsewhere, CVNB has expertise in financing a wide variety of boats in Kentucky and eastern Tennessee. Whether you’re a serious angler buying a competition bass boat or investing in a pontoon for relaxing on a local lake, CVNB can provide loan options that fit your budget.

CVNB also finances new and used houseboats for borrowers in Kentucky and neighboring states and can provide construction financing for your dream houseboats.

Recreational vehicles

There’s nothing like getting out and enjoying the great Kentucky outdoors. CVNB finances your RV loan, camper, trailer, motorcycle and other recreational items, and can get you pre-approved so you can shop with confidence.

Personal loans

Taxes, medical bills, emergencies — a CVNB personal loan might be ideal for those times when you need short-term assistance. It can even be used to consolidate several small debts into a single monthly payment. CVNB can work with you on loan payment terms that fits your budget.

Start the application process with our PDF application
(Opens in a new WindowPrint the completed form and send it to:

Loan Department
P.O. Box 709
London, Ky 40741

Or bring it to one of our convenient locations.

Notice: Because there is a risk that information transmitted via internet email could fall into the wrong hands, CVNB suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. Instead, please contact CVNB directly by phone or in person. Thank you.


Q. Can I refinance a personal loan?
A. You can refinance a personal loan, yes. As long as the loan qualifications are met (credit score, financial debt to income ratio, source of repayment)

Q. How do I apply for a personal bank loan?
A. Simply call the bank and set up an appointment with a lender. Start the loan application online, or by completing our PDF application, then bringing it to one of our convenient locations.

Q. What are the interest rates on personal loans?
A. Interest rates are based on an individual’s credit score, income, and other financial information of the borrower. We offer competitive personal loan rates when compared to other lenders.

Q. How is a personal loan different from a credit card?
A. A personal loan is typically a one-time payment to you for whatever you need to purchase or pay off, and you will be required to make a monthly payment based on the terms of the loan. Terms of the loan would be the length of the loan, and interest rate. Personal loans are typically short term (1-4 years), and have a fixed payment.

A credit card is much different, it’s a revolving line of credit, meaning you can pay it down to $0 and the card will still be open and have credit available to you for you to reuse. Your payment is normally a minimum payment due, which is applied towards principal and interest. A personal loan is typically a check to you (or a different creditor, if you are paying something off) and is amortized and has a fixed payment over the life of the loan. A personal loan is “closed” and a credit card is “open”. Depending on your credit score, a personal loan can offer a higher borrowing limit and lower interest rate than a credit card.

Loans are subject to credit approval. Section 326 of the USA Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This federal requirement applies to all new customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. What this means to you: When you open an account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them.

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Wealth Management

CVNB's Wealth Management Group helps individuals, families, and businesses
reach their financial goals and manage their wealth over a lifetime.