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​Personal Lines of Credit

 

Fast cash when you need it

A line of credit (LOC) gives you access to ready money, up to your approved credit limit. All without applying for a loan or setting up payments. Use the funds you need, pay the interest monthly and the balance when you choose, without penalty. LOCs are commonly used for overdraft protection, to finance a large purchase and to cover education costs.

Visit a branch or connect with our Member Solutions Team who can take you through the application process over the phone. If you're looking for an unsecured line of credit, you can submit an application online.

 

Choose a line of credit

 

Personal line of credit

Ready money, low interest rates and the flexibility to pay back the balance on your own time while you make monthly interest payments.

Secured line of credit rate*

as low as

Unsecured line of credit rate*

as low as

*Annual Percentage Rate (APR). Rates are subject to change at any time. Conditions apply.

Student line of credit

We realize the financial burden put on students so we offer low-interest rates so you can study with peace of mind.

Student line of credit rate*

as low as

*Annual Percentage Rate (APR). Rates are subject to change at any time. Conditions apply.

MeritLine home equity line of credit

If you’re a qualifying homeowner, you can use your home equity as security to lock in our lowest rate.

MeritLine home equity line of credit rate*

as low as

*Annual Percentage Rate (APR). Rates are subject to change at any time. Conditions apply.

Our Member Solutions Team can help with lines of credit over the phone

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Looking for an unsecured line of credit? Submit your application online.

 

Take a look at...

Personal Loan

We offer great rates, payment flexibility and peace of mind.

Mortgages

Are you buying a home, renovating or refinancing? Find the right mortgage for you.

Cash Back Visa Credit Card ​❐

Put extra dollars back into your wallet with no annual fee.