Personal Loans
Flexible personal loans from Evolve Bank & Trust offer competitive rates, simple applications, and tailored lending solutions designed to fit your life.
Whether you’re buying a home, financing a major purchase, or consolidating debt, we offer personal loans with competitive rates. Our commitment to responsible lending provides the best loan option for your financial profile.
Personal Loans
Residential Mortgages
Homeownership made easy—Evolve Bank & Trust offers a range of mortgage options to fit your budget and long-term goals. Whether you’re a first-time homebuyer or refinancing an existing loan, our lending team expertly guides you through the personal loan underwriting process.
We Offer:
- Fixed & Adjustable-Rate Mortgages – Choose a loan that aligns with your financial strategy.
- Streamlined Application Process – Get pre-qualified quickly and move toward closing with confidence.
- Competitive Interest Rates – Affordable financing options customized to your needs.
Construction Lending
Build your dream home with confidence—Evolve provides specialized personal loans for construction projects, allowing you to finance land purchases, building costs, and custom home construction. Our flexible lending solutions ensure funds are available at each stage of your build
- Custom Financing – Loans designed for new home construction or major renovations.
- Milestone-Based Disbursements – Funds released as construction progresses.
- Simplified Loan Conversion – Transition seamlessly from a construction loan to a permanent mortgage.
Home Equity Lines of Credit (HELOC)
Unlock the value in your home with a HELOC to access funds based on the equity in your property. Evolve’s HELOC solutions provide financial flexibility, whether you’re renovating, covering unexpected expenses, or consolidating debt. You only pay interest on the money used.
- Revolving Credit Line – Borrow what you need, when you need it and have access anytime through debit card spending.
- Flexible Repayment Terms – Pay interest only on what you use and as you pay back the line of credit, your interest payment also reduces.
- Lower Interest Rates – Compared to credit cards and unsecured loans, HELOCs have interest rates that are far more favorable.
Auto Loans
Drive Away with Competitive Financing
Evolve makes it easy to finance your next vehicle with personal loans designed for auto purchases. Our straightforward application process and best personal loan deals help you secure an affordable loan with flexible terms.
New & Used Vehicle Financing – Loans for dealership and private sales.
Fast Pre-Approval – Know your budget before shopping.
Low Personal Loan Interest Rates – Competitive terms to fit your financial goals.
Get StartedUnderstanding Lender Requirements for Personal Loans
Lenders assess multiple factors when underwriting personal loans to ensure borrowers meet financial qualifications. At Evolve, we provide clear guidelines to help you prepare for the personal loan underwriting process and improve your chances of approval.
A strong credit history increases approval odds and improves loan interest rates. A good credit score reflects your creditworthiness based on factors like payment and credit history. Lenders use it to assess risk and determine loan approval, interest rates, and terms.
The debt-to-income ratio compares your monthly debt payments to your gross income. Lenders use DTI to evaluate your ability to repay a loan, ensuring your financial obligations remain manageable before approving credit or financing.
Lenders require proof of income and employment, such as pay stubs, tax returns, or employer verification, to confirm financial stability. This ensures borrowers have a reliable income to meet loan payments and other financial obligations.
Verifiable identification, such as a government-issued ID or passport, confirms your identity when applying for financial services. Lenders use it to prevent fraud, comply with regulations, and ensure secure transactions.
Branch Locations
Banking Center
Triad Centre III
6070 Poplar Avenue, Suite 100
Memphis, TN 38119
Lobby Hours
9am-4pm CT, Mon-Thur
9am-6pm CT, Fri
Drive-Thru Hours
8:30am-5pm CT, Mon-Thur
8:30am-6pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
123 West Parkin Street
Parkin, AR 72373
Mailing Address
PO Box 526
Parkin, AR 72373
Lobby Hours
8:30am-12pm CT, Mon-Fri
Drive-Thru Hours
8:30am-4pm CT, Mon-Thur
8:30am-5pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
111 East Huntington Avenue
Suite A
Jonesboro, AR 72401
Lobby Hours
8:30am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Virtual Teller & ATM
1810 Main Street
Jonesboro, AR 72401
Virtual Teller Hours
8:30am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
1566 Hwy 62/412
Highland, AR 72542
Mailing Address
PO Box 480
Hardy, Arkansas 72542
Lobby Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Banking Center
301 Shoppingway Boulevard
West Memphis, AR 72301
Lobby Hours
8:30am-5pm CT, Mon-Fri
Drive-Thru Hours
8:30am-5pm CT, Mon-Thur
8:30am-6pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
1690 North Falls Boulevard
Wynne, AR 72396
Mailing Address
PO Box 1003
Wynne, AR 72396
Drive-Thru Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
2860 I-55 Service Road, Suite A
Marion, AR 72364
Lobby Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
101 East Chestnut Street Suite A
Rogers, AR 72756
Lobby Hours
8:00am-5pm CT, Mon-Fri
(No Drive-Thru)
Closed Sat-Sun & Federal Holidays
Mobile Bank with Ease
- Access Accounts
- Instantly Make Loan Payments
- Enjoy Secure Online Banking
Frequently Asked Questions
How do I apply for a personal loan with Evolve?
Evolve Bank & Trust is committed to helping you secure the best personal loan deals with transparent terms and expert guidance. You can apply for a personal loan online or in person. Our quick application process ensures fast approval and access to funds.
What factors determine personal loan interest rates?
Personal loan interest rates are influenced by credit scores, debt-to-income ratios, loan amounts, term lengths, and overall financial profiles. Competitive rates are available for qualified borrowers.
How long does the personal loan underwriting process take?
The personal loan underwriting process typically takes a few days to several weeks depending on the type of loan being examined. Timelines vary based on loan type and documentation requirements.
Can I improve my chances of loan approval?
Yes! Maintaining a good credit score, reducing debt, and providing complete documentation can improve your likelihood of approval when underwriting personal loans. Whether you’re purchasing a home, financing a vehicle, or leveraging home equity, we have solutions to support your financial goals.