Personal Line Of Credit

We’ve enhanced our Personal Line of Credit in time for the new year and made each step of the way easier for you.

What is a Personal Line of Credit (PLOC)? 

A personal line of credit is a set amount of money from which you can borrow (up to the approved limit) for a given period of time, referred to as your draw period. You are able to draw from the available balance for the amount you need and pay interest on the outstanding balance monthly.

Once you are approved for a PLOC, you may choose to draw part or all of the funds at closing.  

What was enhanced?

We’ve made changes to offer more options in accessing your PLOC by utilizing digital technology in all aspects of the product.

  • You can now apply online
  • Decisioning is automated allowing for a quicker turn-around time
  • Drawdown requests can now be made using WhatsApp or our website.
  • Funds can be electronically deposited directly to your bank account

  • Fixed Rate  
  • Flexible Amounts – You can apply for a PLOC amount as low as $2,500 and up to $10,000 
  • Quick Decision
  • Low Monthly Payments
  • No payment required if no balance 


Are there any fees for a PLOC?

A processing fee of $50 will apply at the time of closing.  An annual fee of $50 also applies every year thereafter.

Apply Now

To access funds from your PLOC, click on the button below to download the form.

DOwnload now


Some restrictions and fees apply.  Call (671) 647-6820 and ask to speak with a loan officer.

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