We only accept online or phone applications for a Personal Loan or Line of Credit from customers who have an existing account with us. Please visit a Wells Fargo branch to speak to a personal banker about your credit options. SunTrust personal lines of credit are here to help you with large purchases or unexpected expenses. Apply online in less than 15 minutes. A line of credit loan from Speedy Cash is similar to a credit card. You apply once and can draw funds as often as you need up to your credit limit. What is a credit limit? A credit limit – credit line – is the amount that you're approved to borrow. For example, if you're approved to borrow $750 then $750 is the maximum amount that you can. Personal Lines of Credit; Personal Lines of Credit. Print Because life is planned and unplanned. A personal line of credit may help you have funds for today, and tomorrow. Estimate your rate and payment. Benefits of a personal line of credit. Convenient access to funds available to you when you need them. A personal line of credit is a loan you can access when you need it. Rates vary among lenders. You can find an unsecured line of credit — for which you don't need collateral — or a secured line of credit — for which you do need collateral. With a personal loan or line of credit from U.S. Bank, you’ll get to enjoy easy access to your funds. Find the loan that’s perfect for you and apply online today. A personal line of credit is funding that you can borrow from a bank or lender on an as-needed basis. You can withdraw just a portion of your available credit, much like a credit card. And you can use the money to pay for virtually anything, like a personal loan. You need to apply for a personal line of credit. A Line of Credit gives you the ability to do just that without having to fill out a new loan application each time you want to make a draw. With our line of credit loans, you only need to apply for a line of credit one time and after you obtain approval, you can withdraw funds up to your available credit. The line of credit account is designed as a short-term cash flow solution and not designed as a solution for longer term financial problems. Additional Fees may accrue if the outstanding principal balance is not paid at the end of the cycle. Credit counseling services are available to consumers who are experiencing financial problems. Most lines of credit are unsecured loans. This means the borrower does not promise the lender any collateral to back the LOC. One notable exception is a home equity line of credit (HELOC), which is.