Personal Line of Credit
Whether you’re covering an unexpected expense, managing a major purchase, or needing flexible access to funds over time, a Personal Line of Credit (PLOC) provides convenient borrowing power — allowing you to use only what you need, when you need it.
A flexible way to fund your expenses.
Pay the caterer, upgrade the guest bathroom, or bring that “great deal” car back to life—one draw at a time. With a PLOC, you get the flexibility of a credit card with the advantage of typically lower interest rates, plus the added peace of mind of overdraft protection—so you can handle big plans, surprise projects, and everyday curveballs without the big financial stress.
Flexible use. Withdraw as needed.
Why borrow everything at once if you don’t have to? A PLOC works like a credit card, letting you tap into funds only when you need them—up to your approved credit limit. Pay it down at your pace, whether all at once or with monthly payments, then borrow again when life throws the next thing your way.
- Minimum loan amount $500
- Maximum loan amount $30,000
- Variable rate
- 2.5% of monthly outstanding balance, or $35, whichever is greater
- Overdraft protection
- Online and mobile access
Rates
Personal Line of Credit (PLOC)
As low as
Payment Protection
Establish peace of mind for yourself when you choose to cover your Addition Financial loan with Payment Protection. By adding payment protection to your new loan, you’ll have one less thing to worry about during a period of reduced income due to disability, illness or death.
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