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Personal Line of Credit

Personal Line of Credit

A loan as flexible as your imagination.
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Effective Date as of 03/01/2024

Personal Line of Credit


% APR*

as low as

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Personal Line of Credit

When you need the spending power of a personal loan and the flexibility of a credit card, a personal line of credit may be your best option. Instead of borrowing a lump sum, you draw from a revolving line of credit as needed. Like a credit card, a line of credit lets you spend up to your credit limit, and the funds are available again once you repay. 

  • Borrow up to $15,000 with a low fixed rate
  • Tap into your line of credit up to the credit limit
  • Interest is only charged on the funds you use
  • Direct Deposit and Payroll Deduction Payments to fit your unique pay schedule
  • The maximum unsecured limit – $30,000 limit for all combined unsecured loans limits (including VISA)
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Frequently Asked Questions

A PLOC is what’s known as a revolving line of credit. This type of credit gets its name from how you use it: borrow some, then pay it back, borrow again, pay it back again. You’ll draw from your PLOC by transferring to your checking or savings account with our mobile app. 

You can check on the status of your application by clicking the “Check Application Status” link at the very top of our website header, which takes you to this link.

To apply for a personal Line of Credit, simply apply through the link at the top of the Personal Line of Credit page. 

As a Providence caregiver, I’m so proud to use the PFCU services. Clearly the best credit union around – bar none. Well done to you all.

Brad H. | Member SINCE 2012
Brad H.

Need more information?

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