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    Home / Personal / Personal Loans

    Personal Loans

    Get a personal loan with competitive
    interest rates to consolidate debt, renovate your home, and more.

    View All Loans

    Amerant Personal Loans Offer Multiple Benefits

    Flexible Terms

    Lending options and payment plans based on your budget, needs, and goals.

    Competitive Rates

    Competitive rates based on information1  like your credit score and income.

    Local Expertise

    Underwriting and processing done by local experts who know the area and market.

    Choose a Personal Loan That’s Right for You

    Home Equity

    • Switch to a fixed interest rate during the draw period1
    • Flexible terms of 1, 3, 5, 7, or 10 years
    • Pay only for what you use, and pay it back any time2
    More Info Learn More

    Unsecured Lines of Credit

    • Finance ongoing expenses and major purchases
    • Borrow as much as you need, up to $150,000
    • Apply at a nearby branch or with a banking specialist
    More Info Learn More

    Unsecured Loans

    • Competitive interest rates on a personal loan
    • Multiple uses including debt consolidation, finance
    • No prepayment penalty, flexible terms
    More Info Learn More

    Pre-Owned Vehicle Loans

    • Choose a 12- to 72-month term
    • Loans as low as $2,500
    • Decide on a repayment plan that works for you            
    More Info Learn More

    New Vehicle Loans

    • Choose a 12- to 72-month term
    • Borrow up to 100% of the value at a fixed rate
    • Decide on a repayment plan that works for you         
    More Info Learn More

    Secured Loans

    • Choose a 6- to 60-month term
    • Borrow up to 100% of your CD value
    • Consolidate high interest-rate balances                       
    More Info Learn More

    FAQs About Personal Loans Online. Answered.

    Amerant offers flexible terms and a dedicated personalized team to assist you throughout your journey with us. In addition to competitive interest rates, receive financing to consolidate debt, high-interest rate balances, new and pre-owned vehicle loans, and more.

    There are multiple ways to apply! Contact us at one of our local branches, call center, or through our website to schedule an appointment with a financial expert.

    Yes, Amerant offers a variety of different Personal Loans depending on if you are a domestic or international client.

    1 The Annual Percentage Rate (APR) for a FRC HELOC is variable and is based on the Prime Rate published in the Wall Street Journal (8.00% as of 3/23/2023), plus a margin. This APR is based on an “auto-pay” discount of 0.25% for an Amerant Bank checking account customers. To qualify for the “auto-pay” discount, payments must be made via automatic payment from an Amerant Bank checking account which must be open and funded prior to closing. The discount may be terminated upon closure of the qualifying checking account. Your APR may vary based on credit history, property type, occupancy, lien position, line amount and other factors. At no time will the APR exceed 18%. Rates and programs are subject to change without notice. Contact us for current rates. Interest rate discounts may be available, ask us about Amerant Preferred. All advances will be subject to the variable rate APR according to the terms of the account agreement. Discounts are subject to change at any time and cannot be combined with any other offer or discount. Proceeds from advances made at closing cannot be used to pay off existing Amerant loan balances. The minimum line amount is $25,000. Certain eligibility requirements and restrictions apply for lines greater than $1,000,000.

    2 Amerant Bank will pay closing costs on lines of credit of up to $250,000. For lines of over $250,000 and up to $2,500,000, closing costs may range from $1,000 to $26,500. For loans originated in Florida: Lines of over $250,000 will receive a $2,500 credit towards closing costs. A $500 early closure fee may apply if the line is closed within 2 years from account opening. A $75 annual fee will be charged to your home equity line beginning on the first anniversary of the date on which you opened your account. For loans originated in Texas: Lines of over $250,000 will receive a $500 credit towards closing costs. Early closure fee does not apply. The minimum advance amount on the line is $4,000.

    For more information on Home Equity products, refer to “What You Should Know about Home Equity Lines of Credit,” a consumer information booklet prepared by the Consumer Financial Protection Bureau. Consult your tax advisor concerning interest deductibility.

    USA PATRIOT Act

    To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

    Know Your Customer

    Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.

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    The entire contents of this website are subject to copyright protection. The content available on this Website is the property of Amerant Bank, N.A., Amerant Investments, Inc., Amerant Trust, N.A. or its licensors and is protected by copyright and other intellectual property laws in the United States of America and by international copyright laws.

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