Why TruWest
A Great Alternative Financing Option
Personal Line of Credit
Your personal credit line is a convenient way to have credit available at all times. You can even use it as overdraft protection on your TruWest checking account. Enjoy low rates and credit up to $50,000!1
- Low rates
- Credit line up to $50,000
- Flexible terms
Rates & Fees
Determine Your Costs
Personal Credit Line
| Type | APR* |
|---|---|
| Personal Credit Line | 15.25% - 17.75% |
Other Disclosures
Rates effective as of March 23, 2023.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.
FAQs
Frequently Asked Questions
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Do I need to be a member of TruWest Credit Union to get a personal line of credit?
Answer:
Yes. A membership is required if you are approved for a personal line of credit.
-
Can I qualify for a loan with Social Security or investment income?
Answer:
You may be able to qualify for a TruWest loan with Social Security or investment income. Click a loan type under “LOANS” at the top of the page to apply, or call 1-855-878-9378.
Next Steps
As easy as 1, 2, 3
How to Apply for a Personal Credit Line
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1
Application
Apply online, at a branch or by phone at 1(855) 878-9378 -
2
Approval
A TruWest representative will call back within 24 hours -
3
Certificate
If approved, you will receive a pre-approval certificate via email along with additional instructions -
4
Closing
Finally, submit required documents and set up your closing appointment for an electronic signature or at a branch personally
Note: Membership can be opened at the time of loan closing.
1 On approved credit. Cannot be combined with other offers. Must be a TruWest member with a minimum deposit of $5 to qualify. Offer subject to change.