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Wellby Financial

Personal Line of Credit

Flexibility through a revolving credit line for life’s big expenses.

Cartoon illustration of a personal line of credit application with the funds available from your credit union.

Flexibility for Life’s Big Moments

Sometimes, life demands flexibility, and a variable rate personal line of credit can help provide you with funds to cover the expected, and unexpected alike. Whether it is unplanned expenses, home improvements, or big purchases, your revolving credit line can offer you the funds to meet your needs.

Benefits of a Personal Line of Credit

Competitive Interest Rate

Our variable interest rate offers you the advantage of typically lower rates compared to fixed loans, which can result in substantial savings.

No Collateral Needed

With this unsecured line of credit, you can borrow as much as you need, up to your credit limit.

Flexible Funding

Whether you need just a little, or a little bit more, your funds are available when and where you need them.

Cartoon illustration of a bag and stack of money with a clock depicting the flexibility of a personal line of credit.
Cartoon illustration of a medical bill that can be covered with the funds from your personal line of credit.

Use It How You Need It

Home Improvement

Renovate a room or complete much needed repairs to help make your dream home a reality.

Fund Large Purchases

Cover larger purchases with more buying power and typically lower interest rates than credit cards.

Unexpected Expenses

Car repairs, home emergencies, or medical bills - your funds are available when you need them most.

Step 1

Complete the online application for your new personal line of credit.

Step 2

A lending specialist will contact you to answer questions and assist you in finalizing the process.

Step 3

Close on your personal line of credit and gain access to the funds you need, when you need them.

Personal Loan

Debt Consolidation Loan

Home Improvement Loan

Personal Line of Credit

Certificate Secured Loan

Savings Secured Loan


Personal Loan

TermAnnual Percentage Rate (APR)Loan Amount
Up to 48 Monthsas low as 8.49%Up to $40,000
Up to 60 monthsas low as 8.99%Up to $40,000
Up to 72 monthsas low as 9.49%Up to $40,000
Up to 84 monthsas low as 10.49%Up to $40,000
Up to 120 monthsas low as 12.49%Up to $40,000

Ready to Apply?

Our online application is fast and convenient, so you can receive your funds quickly and be one step closer to your goals.