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Personal Line of Credit

Recurring or Sudden Expenses Can Be Overwhelming

With a Personal Line of Credit, you can have a safe, easy way to borrow when you need it.



Have peace of mind knowing you can have funds when you need them most. You can be empowered to make your own decisions and take control of your finances thanks to a Personal Line of Credit.


No Collateral Required

You can get a Personal Line of Credit without putting up any collateral. You do not have to risk your home or other assets to get the credit you need.

Use for Nearly Anything

You can use the funds for nearly anything you need, and with few restrictions on what purchases are allowed, go ahead: dream big!

Low, Competitive Rates

You deserve to save money when you are managing expenses. That's why we offer low, competitive rates that will help you get the best possible outcome.

Only Pay Interest on What You Borrow

With a Personal Line of Credit, you are only charged interest on what you borrow, making this a flexible, affordable method of borrowing.

Credit Limits Up to $50,000

With our high credit limits, you can have access to enough money to pay for a variety of expenses.

As low as


Personal Line of Credit
Loan Payment Calculator

Monthly Payment

Term (Months)
No Collateral Required

Do Not Let Anything Hold You Back From Your Goals

You can finally get a Personal Line of Credit without risking your valuable assets, so you can focus on the expenses you face with less risk.

Use for Nearly Anything

Your Expenses are as Unique as You are

With a Personal Line of Credit, you have the financial flexibility to handle whatever life throws your way, whether that be home improvements or another emergency expense.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing to today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have access to their digital banking 24/7 and online support chat to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

You deserve to get the funds you need when you need them. By following the steps below, you can learn how to get your own Personal Line of Credit.

  • 1

    Complete Application

    You can apply online or visit one of our branches.

  • 2

    Get Approved

    We will review your application and see how much you qualify for.

  • 3

    Use Your Funds

    Once approved, you can start using a Personal Line of Credit for your expenses.

Apply online now

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us


Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Personal Line of Credit

Now You Can Better Combat Those Unexpected Expenses

A Personal Line of Credit makes it easier than ever to get the money you need when things are tight.

  • 1

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