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Let us grant your wish.

We know how to make wishes come true at Chocolate Bayou! Our home equity loans can be used to grant nearly any wish, from a newly remodeled kitchen to debt consolidation, so apply or schedule an appointment today to make your dreams a reality!

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    Please see below for information on our Home Equity Loans!

    What is a Home Equity Loan?
    A Home Equity Loan allows you to borrow against the value of your home, and puts your property to work for you!

    How much can I borrow?
    You can borrow up to 80% of the value of your property, minus any present liens.

    What is the minimum loan amount?
    $10,000 is the minimum amount for a Home Equity Loan, so if you are looking to borrow less than that, we suggest applying for a personal/signature loan.

    Are there any application or payment fees?
    Chocolate Bayou Home Equity Loans do not have application or pre-payment penalties.

    Lost or stolen card?
    Debit: call 1-800-472-3272 | Credit: call 1-888-502-9702