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Personal Loan
Many people use personal loans to finance home projects, unexpected expenses, or to consolidate high-interest debt. Personal loans are also a good option for those who have yet to build home equity.
Account Summary
- Best for single, one-time purchases of a specific amount for predictable monthly payments
- Use for a set period of time
- Multiple payment options and rates (dependent on income and credit score)
- Interest rates can be lower than credit cards
Personal Line of Credit
With a personal line of credit, you'll be prepared for uncertain borrowing needs. Plus, you'll only pay interest on the funds you're using.
Account Summary
- Best for multiple purchases, ongoing use or life events with uncertain costs
- Use a Visa® Debit Card, checks or transfers to make purchases from a line of credit
- Credit limit is determined by need, income and credit score
- Interest rates can be lower than credit cards
- Can be used for checking account overdraft protection