Personal line of credit

Ever find yourself a little over-extended? It happens to the best of us.

Features you can appreciate

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Plan for Potholes

There are just some things that get away from us and some things that come up unexpectedly to throw us off balance. Think about it this way–you’re riding your bike down a road that has potholes and loose gravel everywhere, with the asphalt melting in our Arizona sun.

You could have Lance Armstrong-level bike skills and still hit one of these obstacles, slowing your progress and even bucking you off that bike.

A SunWest Personal Line of Credit is like having top-of-the-line protective gear that helps you avoid major road rash and financial

How does my backup plan work?

One of the most common uses for a Line of Credit is as Overdraft Protection for your Checking.
With a Line of Credit on your account, you can avoid the overdraft fee and breathe easier knowing your finances are still in good shape. Pay your balance off right away, or give yourself some time to bounce back by simply making your minimum monthly payment. A SunWest Line of Credit allows you some flexibility in your financial plan and helps you prepare even for those moments you can’t always see coming.

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Personal line of credit features:

Get it while it's hot

Variable APR rates. Currently at 15.50%, our Line of Credit rate is lower than most big banking credit cards, giving you safe and responsible credit options.

Play it safe

Revolving, open-ended credit. Much like a credit card, a Line of Credit gives you a fixed spending limit that gets replenished as you pay down the balance. When you need to use your line, visit your online account and transfer the funds to your Checking account. It can also be set up to automatically cover your Checking when you go over your available limit, saving you the headache of overdraft fees.

No collateral required

Just like you, each personal loan is unique, and we may request verification documents such as statements for accounts you want to pay off, or an invoice for large purchases and contracted work. However, this type of loan doesn’t require a lien on any of your property like secured loans do.

Activate your plan

Don’t let the unexpected knock you off your path to financial wellness. Apply today for a Personal Line of Credit to secure your back-up plan and keep pedaling towards financial freedom.

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*APR = Annual Percentage Rate. On approved credit. Certain terms, restrictions and conditions apply. Approval based on, but not limited to, an evaluation of applicant credit. Rate subject to change without notice. Offer does not apply to existing loans financed through SunWest Federal Credit Union. Loan cannot be used for post-secondary education. SunWest reserves the right to modify or discontinue this promotion at any time. Contact us at 602.866.1100 for more details.