Line of Credit
What sets our Line of Credit apart
A Credit Human line of credit allows you to make an advance to yourself anytime up to your approved credit limit.
- Borrow as little as $500 or up to $5,000
- Competitive rates
- When linked to a checking account, a Credit Human line of credit can act as an overdraft protection
- Access credit by debit card, digital banking or bank by phone
A flexible way to manage changing financial needs
A Line of Credit can help you stay prepared without taking on more debt than necessary. By borrowing only what you need and when you need it, you can better manage cash flow and respond to expenses as they arise. Used thoughtfully, it can reduce the need for higher-cost borrowing and help you maintain more consistent financial progress over time.
Line of Credit frequently asked questions
If I'm a member, can I apply for loans in digital banking?
Apply through digital banking
Take advantage of our streamlined application by logging into your digital banking account. Once in digital banking navigate to the Product and Offers menu to get started.
How do I make a payment on my loan?
Loan payments can be made in the following ways:
- Online through digital banking
- Recurring payments
- By mail
- Over the phone ($10 may apply)
- In person at a Credit Human location or ITM
Expedited payments can be made
- Online at our Express Payment portal with a $10 fee
- Over the phone at 833-886-6109 with a $10 fee
See more FAQs for details specific to your loan type.
Can I apply for a loan if I'm not a member of Credit Human?
Join Credit Human when you apply
You'll complete the online loan application and apply for Credit Human membership during the process. In addition to the loan you are applying for, you will be required to open a Share Savings account with a minimum deposit of $5. Once a member, you'll become a part of a powerful financial cooperative with access to products designed with you in mind.
Types of personal loans you can apply for:
- Credit card
- Personal loan
- Line of Credit
- Vehicle loan
- Home loan
- Manufactured home loan
Line of credit loan rates
Rates effective as of 04-05-2024
| Loan amount | Rate (APR) |
|---|---|
| $500 - $5,000 | 11.99% |