Personal 信贷额度

信贷额度 Features

  • 利率 低至 12.4月* 25%
  • Line of credit amounts from $500 to $50,000
  • Draw on the line at any time
  • No line of credit origination fees
  • Your monthly payment will vary with the amount of funds you use
  • Pay no interest if you don’t use any funds

A personal line of credit (PLOC) is a versatile financial tool that gives you ready access to cash. You can get a line of credit of up to $50,000 and use the funds anytime to cover expenses like vacations, 婚礼, 医疗费用, 或紧急情况. 

Like a credit card, a personal line of credit is a form of revolving credit. Your monthly payment will depend on how much funds you use – and you’ll only pay interest on the balance you carry. 

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FAQs About Our Personal 信贷额度 (PLOC)

How does a Personal 信贷额度 work?

A line of credit means you have access to an agreed amount of money over a certain period of time, known as the draw period. In that time, you can use as little or as much of the funds as you choose.

Your monthly payments will go up and down depending on your balance. This is different from a personal loan, where you get a lump sum payment then have equal monthly payments, and pay equal amounts of interest, 每个月..

How much interest will I pay on my Personal 信贷额度?

With a line of credit, you only pay interest on the funds you use. Your interest rate will likely be based on your credit score.

What can I use my Personal 信贷额度 funds for?

You can use the funds to cover anything you need including:

– Debt consolidation
- - -紧急情况
– Unforeseen expenses
– Medical bills
– House remodeling and improvements

Can I build credit with a Personal 信贷额度?

Yes, you can build credit by making timely monthly payments on your line of credit. Like a credit card, you should always pay at least the minimum amount due.

Keep in mind that your credit score is also determined by how much total credit you have available (your credit utilization rate), so it’s best not to use all the funds available through your line of credit. The best debt-to-credit ratio is under 30%.