Personal line of credit

Get cash when you need it most

No matter what life throws at you, you have easy access to the cash you need with a line of credit.

mother and daughter hugging on the couch

Today’s rates

APR as low as1 13.50%

We offer competitive, affordable rates, and you can borrow just what you need, when you need it.  

  • There are no fees for establishing a line of credit or taking an advance. 
  • No prepayment penalties. 
  • Apply online, by phone, or in a branch, and get an answer in minutes. 

With a Personal Line of Credit, you only pay interest on what you’ve borrowed. This helps you avoid unnecessary debt and manage your money more effectively.

  • Access your line of credit online, at an ATM, or at a branch.
  • Interest only accrues when you have a balance.
  • Withdraw any amount, up to your credit limit. There’s no minimum withdrawal.


Submit your application

Apply online, by phone, or in a branch—whatever’s easiest for you.

Apply now


Get a decision

In most cases, we can make a decision on your loan application in under 24 hours.


Get your line of credit

Once approved and funded, you can set up automatic payments from checking or savings.

In most cases, we can make a decision on your loan application in under 24 hours.  In some cases, we may need to ask you for more details, and then the process takes a little longer.

You’ll need to provide the following information on your application: 

  • Name 
  • Social security number 
  • Physical and mailing address 
  • Employment information 
  • Gross monthly income 
  • Date of birth 

In some cases, we may ask for additional information after you submit your application.  

With a loan, you borrow one lump sum all at once, and then pay it off in monthly installments until you’ve paid back all of the money you borrowed, plus the interest. 

With a line of credit, you can borrow what you need when you need it, up to your approved credit limit. You still make monthly payments, but they may differ each month depending on how much you’ve borrowed. And, you can borrow more later on, as long as you don’t go above your credit limit. This type of borrowing is called revolving credit.  

No, you don’t have to be a member to apply, but you do need to become a member if you want to take the line of credit. But don’t worry—it’s quick and easy to join Global.

When you apply for a line of credit, we ask if you’re already a Global member. If you’re not, just follow the instructions at the end of the application process to join.

Move Your Debt to a Smarter Card

You could save money by transferring your credit card balance to a new card.

How to Build Credit from Scratch: 4 Things to Know

Building credit can be tricky, especially if you don’t have a credit history.

What's the Best Credit Card for You?

Choosing a new credit card? Here’s what to look for.

Always here when you need us

We don’t think exceptional service should be so exceptional. Get in touch with us 24/7 from anywhere in the world.

Whether it’s in a branch or over the phone, you’ll always talk to a real person.

1Interest rate is dependent upon the credit qualifications of the borrower(s). Rates are subject to change at any time for any reason. See our rates page for full details.