Line of Credit

A Line of Credit gives you the flexibility to borrow when it makes sense for you. Instead of taking out a series of loans at set amounts, you can access funds up to your approved limit as needs come up. It’s a practical way to stay prepared for both planned expenses and the unexpected—without borrowing more than you need.
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Quick Facts

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
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Get started

Open a Line of Credit today

Apply online to set up access to funds you can use when you need them. It’s a flexible option that gives you more control over how and when you borrow.

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Flexible access

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.

Account Opening

Funds, fast and easy

A Credit Human Line of Credit saves you time with fast approvals. We make it convenient and economical for you to lend money to yourself, maximize your earnings and maintain your savings.
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FAQ

Line of Credit frequently asked questions

Take a look at the most common questions we get about our Line of Credit. If you have more general questions, or you’re looking for support options, check out our support center.
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

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%
Account opening

Open a Line of Credit account today

Having a Line of Credit in place can make it easier to handle both expected and unexpected expenses. Start your application to create a financial backup you can use when it matters most.

Apply as a new member
Log in to apply