Personal Lines of Credit (PLOC)
What's the fastest way to get a loan? Writing one to yourself, from your own personal line of credit. After applying once, you'll have quick access to advances, any time.
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Our Most Convenient Loan
If you have excellent credit, a Colorado State Bank and Trust personal line of credit is a great way to get quick access to cash when you need it. You can simply write a check out of your line of credit for whatever you need, whenever you need it. And with our one-time approval, there's no need to reapply each time you need additional funds. You simply advance on your approved credit line at your convenience.
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A Loan with a Lot of Flexibility
You'll get a flexible repayment term with your Colorado State Bank and Trust personal line of credit, so you can take your time using your loan. Plus, you can attach your line of credit to Overdraft Protection, so you're not worrying about overdrafting your checking account.
Pay Interest Only on What You Borrow
With a Colorado State Bank and Trust personal line of credit, you have access to your entire credit line at any time — but you only pay interest on the money you actually advance yourself, which gives you flexibility. And because of our competitive interest rates, it's also affordable.
Quick and Easy Approval, Just Once
With our one-time approval, there's no need to reapply every time you need additional funds. You simply advance on your approved credit line at your convenience. And keeping track is easy, with up to seven years of Online Statements, and 18 months of transaction history at your fingertips in Online and Mobile Banking.
How to Apply
Visit one of our Banking Centers or call our ExpressBank at (877) 205-1710 if that's easier. Once you've finalized your loan, you can start using your line of credit right away to pay down higher interest debt, make a big purchase or finally take that dream vacation.
How Much Will My Line of Credit Be?
We determine your line of credit by looking at your credit score and your answers on your application. Once we have that, we can let you know right away how much money you're eligible to take out.
Related Products and Services
Looking for a loan for a specific purpose, like buying a house or car? If a personal line of credit isn't quite right for you, we have a variety of other products to choose from.