To help prevent stress in the event of an emergency, Spirit Financial has announced the launch of our new Personal Access Line of Credit. This is an unsecured line of credit that will link directly to a borrower’s checking account for ease of real-time transfer as needed, perfect for emergencies or unexpected expenses. Click here to learn more about our Personal Access Line or tap the link below to apply.

Personal Access Line Benefits

  • Borrow up to $25,000*

  • Flexibility to borrow as needed

  • No annual fees

  • No minimum balance fees

  • No pre-payment fee

  • Transfer funds directly to your checking account

  • Overdraft protection to your checking account

Personal Line of Credit Rates

Effective Date (07/23/2023) and Rates Subject to Change.

Balance Tier APR*
Line of Credit (Max $25,000) as low as

HAVE Questions about our Personal Access line of credit? Text or CALL A LOAN OFFICER AT (267) 580-0230 OR EMAIL LOANS@SPIRITFINANCIALCU.ORG.

*APR = Annual Percentage Rate. Rates are for qualified borrowers and are based upon the creditworthiness of the individual. Actual rates may be different than the rates shown. Minimum APR is 12.75%, maximum APR is 18%. As of 9/18/24 the Prime Rate was 8.00%.