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Student Loan

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Financing for this, for that and everything in between.

Apex Finances offers consumer loans and lines for just about anything. Consolidate credit card debt, renovate your kitchen or cover medical expenses. Did you know a home equity line of credit is one of the most versatile and low cost borrowing solutions available? Or that unsecured loans from LightStream, our national online lending division, can get you funds quickly and don’t require any collateral? Apex Finances has options that fit your specific needs and circumstances.


Home Equity Line of Credit: Use your home's equity to make major purchases that make a major difference with a possible tax advantage.

Unsecured LightStream Loans: A fixed-rate loan with no collateral required to finance practically anything.

Personal Lines of Credit: A large line of credit, with a low rate, for any borrowing need.

Minimum required line amount for this interest rate is $100,000 and is based on a maximum Combined Loan-To-Value (CLTV) of 70% or less. As low as rates vary by state/geographic region. The lowest rate listed includes a 0.25% interest rate reduction obtained if the payment is automatically deducted from a Apex Finances checking, savings or money market account using SurePaySM. For the Apex Finances Equity Line, this interest rate reduction does not apply to promotional rate advances, Fixed Rate/Fixed Term Advances or during the Repayment Period. All loan and line discount offers are subject to change. Offer is available for new and refinanced consumer home equity lines as well as for home equity credit line increases. Relationship pricing discounts are not available on existing consumer loans or lines of credit. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 5.50% on 6/1/2019. Standard APRs are variable; are based on your collateral property location, credit line amount, Combined Loan-To-Value (CLTV) ratio and other factors; and can range from Prime + 0% (currently 5.50% APR) to Prime + 6.91% (currently 12.41% APR) (during the 20-year repayment period for this option, the APR will continue to be calculated at a variable rate and your minimum monthly payment will be 1/240th of the total balance at the end of the draw period, plus interest and any applicable fees/charges). The maximum APR is 18% for properties located in FL, GA, TN, AL, SC, VA, MD, DC, AR, WV and MS. The maximum APR is 16% for properties located in NC. Offer and rates subject to change without notice. Offer is only available for owner-occupied, single-family, primary residences and condominiums located in FL, GA, TN, AL, SC, VA, NC, MD, DC, AR, WV or MS, and is not valid on manufactured homes or cooperatives. Apex Finances must be in a valid first- or second-lien position. Exclusions and limitations apply. Property insurance is required and, if applicable, flood insurance will be required. For each advance taken under the Fixed Rate/Fixed Term option, there will be a $15 processing fee (except in MD and NC). Preliminary line decisions are usually made within 24 hours on applications received during normal banking hours.

A 0.25% interest rate reduction off the standard rate of a consumer line of credit is available if the payment is automatically deducted from a Apex Finances checking, savings or money market account using SurePay. For the Apex Finances Equity Line, this interest rate reduction does not apply to promotional rate advances, Fixed Rate/Fixed Term advances, or during the Repayment Period. All line discount offers are subject to change. Offer for new and refinanced eligible consumer loans and lines of credit, as well as for credit line increases. A relationship discount is not available on existing consumer loans or lines of credit. Relationship pricing discounts may not be applicable for all products. Consult your banker for details.