We're excited to announce our 2025 technology upgrade! Learn more here.
young couple happily filling out paperwork

Loans

Our wide range of competitive loan options include personal loans, commercial loans, and more.

With us, you're more than just a number–you're a neighbor.

When you apply for a loan with Highlands Community Bank, we take the time to personally review your application and consider the whole person, not just the numbers.  We offer a wide variety of competitive loans with flexible options for residents of Covington, Clifton Forge, Hot Springs, and surrounding areas. Explore our loan options and virtual application below.

Contact Us Today

Our Loan Products

  • Personal Loans (Secured or Unsecured) Explore options for competitive personal loans, whether you want to utilize collateral or not.
  • Home Equity Line of Credit (HELOC) Leverage the equity in your home to access funds for your next big investment.
  • Home Equity Loan
    Leverage the equity in your home to access a fixed-rate loan for your next big investment.
  • Auto Loan
    Ready to get behind the wheel? We partner with automotive dealers to fund your purchase.
  • Commercial Loan
    Get a lump sum of working capital to help boost your business's cash flow.

Ready to move forward with a loan? 

Apply now with our secure virtual application portal.
Get Started

small business owner reviewing a tablet with a professional woman

Locations

  • clifton forge location

    Clifton Forge

    1501 Main Street Clifton Forge, VA 24422
    540-862-2265 540-862-4858
  • covington location

    Covington

    307 Thacker Avenue, Covington, VA 24426
    540-962-2265 540-962-1203
  • hot springs location

    Hot Springs

    9008 Sam Snead Highway, Hot Springs, VA 24445
    540-839-3568 540-839-3113

Explore More Products and Services

Explore our financial products and services designed to make quality banking easy.

Leaving so soon?

You are leaving Highlands Community Bank's website and linking to a third party site. Please be advised that you will then link to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Highlands Community Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Highlands Community Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.