Personal Loans

Understanding Your Loan Options.

Whether you are purchasing a new car, looking to make some home improvements or simply reacting to the unexpected, a personal loan provides access to the money you need. No matter what’s on the horizon, we offer a number of options designed to help you take control of your finances.

Not sure which loan is right for you?

All Hancock Whitney Bank loans and lines of credit offer competitive rates, flexible terms, and your choice of monthly due dates.

Personal Loans

Personal loans are ideal for situations when you just need a little extra. You’ll have the freedom and flexibility to finance a big purchase, cover unexpected expenses or consolidate high-interest debt into one monthly payment.

Secured vs. Unsecured Personal Loan

By using personal assets like your car, CDs or savings as collateral, a secured loan may offer a lower interest rate and be easier to obtain. Ask your banker about your collateral options. If you have experienced credit challenges, a secured loan can help you reach your financial goals.

Unsecured loans are not associated with any collateral, but may feature a slightly higher interest rate and good credit requirements.

Tip: Save 0.50% off of certain loan interest rates with regular automatic payments from your Hancock Whitney Bank personal checking account. Certain restrictions and limitations will apply

Apply for an Unsecured Personal Loan Online:

Preferred Lines of Credit

Preferred Lines of Credit offer financial flexibility and peace of mind

Convenient access to cash without having to reapply
No collateral is required
No Annual Fee¹
Link to your checking account for overdraft protection

Vehicle Loans

You’ve got your eye on a new vehicle, and we can help with financing for new and used automobiles, boats, motorcycles, RVs – anything that gets you moving. Low down payments with fixed, competitive rates and no prepayment penalties make purchasing your next vehicle simple.

Construction Loans

Visit our mortgage page for information on how you can use a construction loan to make your dream home a reality.

Home Equity Loans and Lines

Tap into your home's equity with a loan or line.

Helpful Resources

Checklists: Cash Secured Loan, Real Estate Loan, Titled/UCC Loan and Unsecured Loan.

Not sure which option is right for you?

Ready to get started?

Visit a nearby financial center or

¹Preferred Line of Credit rates are variable based on The Wall Street Journal U.S. Prime rate as designated in the "Money Rates" section of The Wall Street Journal plus a margin. Prime Rate was 8.25% as of 5/4/23. Rates can range from 12.25% to 16.25% and are based on your line amount and creditworthiness.