Personal Loans & Lines of Credit in Florida | Cogent Bank

Lost or Stolen Debit Card

To report a lost or stolen debit card please call 407.545.2662 during normal operating hours. After hours, please call 1.800.500.1044 immediately or access

Routing Number

Our Bank Routing and Transit Number is: 063114661

You will be linking to another website not owned or operated by Cogent Bank. Cogent Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Cogent Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Cogent Bank.

If you "Proceed", the link will open in a new window.


Please note that by clicking on this email address, you are leaving the Cogent Bank website and accessing an external email platform. Cogent Bank has no control over the content of any communications contained within this platform and cannot be held responsible for any information exchanged. We caution users to be careful when sharing any personal or sensitive information via email, as it may be intercepted or misused by third parties. By using this email platform, you accept full responsibility for any risks that may arise from its use.

If you "Proceed", the link will open in a new window.



Loans and Lines
of Credit

We offer personal loans and lines
of credit options with fast and
easy access to money for what
matters to you.

Run the Numbers

All financing and repayment needs are different, and we will analyze your unique situation and make a sound financial decision that will benefit your business now and into the future.


Home Equity


365 Loan
Amortization Schedule



A personal loan might be the right option if you are looking for a fixed rate and set monthly payments.

Looking for a loan with a fixed rate and set monthly payments? With both secured and unsecured options, personal loans offer customizable and predictable repayment terms and can be used for a diverse range of purposes. Our personal loans are commonly used for: 

  • Automobile – new and used
  • Boat Loans – new and used
  • Solar Power Systems (PV) – residential and commercial
  • CD/Savings secured
  • Marketable Securities
  • Overdraft Protection
  • Unsecured

Lines of Credit

A line of credit gives you the flexibility to use your funds when the need arises

Lines of credit offer flexible and ongoing financing options for home renovations, emergency expenses, or continuing costs like educational expenses. Similar to a credit card, a line of credit gives you quick access to funds when you need them, paying interest only on the amount you’ve borrowed against your credit limit. We offer the following types of Lines of Credit:

  • Unsecured Line of Credit
    • No collateral needed 
  • Executive Line of Credit
    • Available to business owners and executives to fulfill business lending needs 
  • Home Equity Line of Credit
    • Secured by the equity in your home, features competitive interest rates 

We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.

What our clients are saying

Partner with Cogent Bank for Your Next Personal Loan 

At Cogent Bank, we work closely with you to help you find the right financing product for your goals and budget. With fast, local decision-making and attentive service, we can simplify the application process and help you secure the financing you need on your terms. We’re proud to partner with individuals and businesses  to help them achieve their financial plans and we look forward to working with you, too.  

Ready to apply for a loan or line of credit? Reach out to one of our expert local lenders to get started. 

We Are
Moving You