If you have bad credit, the interest rate you’ll pay on a line of credit may be much higher than what you’d pay if you had strong credit. And that’s if you can find a lender who’ll approve you for a line of credit — many only grant them to people with good credit. Apply today for an unsecured personal line of credit. U.S. Bank personal lines of credit offer generous credit limits and instant access to funds on an ongoing basis. A line of credit is a flexible way to borrow to ensure you have a safety net for any unexpected expenses. With a CreditFresh Line of Credit by CBW Bank, you only pay charges on what you borrow. You can request a draw at any time as long as you have available credit. We do not offer bad credit” lines of credit. When credit-reporting agencies calculate credit scores, they draw on a range of information, combining it into a single number that may or may not reflect an individual’s actual creditworthiness. SunTrust offers an unsecured, no-collateral, personal line of credit for up to $500,000 with a variable interest rate. To qualify for this unsecured personal line of credit, you must have $100,000 in verifiable assets with SunTrust Bank or other financial institutions. A secured line of credit is a great option for borrowers with blemishes on their credit records. It allows borrowers to secure the lowest possible interest rates on their lines of credit while increasing their likelihood of approval. However, lenders will have the right to repossess the collateral, should you fail to pay your debts. The King of Kash Anything™ Product is a personal line of credit through King of Kash that you can use for anything. Use our Anything™ Product like cash, whenever you need it, and enjoy the flexibility that a line of credit offers over traditional personal loans. To apply, simply use our online application form by clicking on the “Apply Now” button below. Personal lines of credit for fair to bad credit Since most personal lines of credit require borrowers to have pretty stellar scores, you may think you’re out of luck if you have bad credit. 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. An individual's credit rating is typically considered bad or poor if their FICO score falls below 620. Issues that drop a FICO score to such a level include defaulting on (failing to pay back) loans and credit cards, making payments past their due date, and/or carrying a high level of debt.