Personal Line of Credit

The low-rate, flexible way to get the funds you need, while helping to protect from overdrafts

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When life throws an unexpected expense your way, tap into your personal line of credit. A Members Choice Personal Line of Credit helps you manage your balance on your own terms, with low, variable interest rates and no annual fees.

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Rates as low as 9.00% APR*

Avoid high interest rates with our low, variable line of credit lending rates
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Flexible, no-hassle credit

Get a pre-approved credit line up to $25,000 for use whenever you need it
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Save on fees

Unlike credit cards, a Personal Line of Credit has no annual fee, no balance transfer fees, and no cash advance fees

A Members Choice Personal Line of Credit (PLOC) is a flexible way to get the cash you need and has a low, variable interest rate. You can access your line of credit by using your Members Choice Debit Mastercard linked to your checking account. Your line of credit can also be used as overdraft protection for your checking account.

Personal Line of Credit benefits:

  • Once your Personal Line of Credit (PLOC) is active, you have access to a pre-approved credit limit, anytime you need it
  • Access your PLOC by check or using your Debit Mastercard linked to your checking account
  • Your PLOC helps protect against checking overdrafts and can reduce overdraft fees1,2,3
  • Consolidate debts or pay for unexpected expenses while avoiding higher interest credit card rates
  • No annual fee, no cash advance fees, and no balance transfer fees for debt consolidation
  • Competitive variable rates based on prime – rate changes only apply to future purchases for peace-of-mind

Start off with an estimated rate quote – No credit pull required

Fill out the short form below to hear from a Loan Officer within the next business day.

Ready to take the next step towards opening your
Personal Line of Credit?

Apply Online
Call us at 281.754.1470 to ask questions or start a loan application by phone.

Apply in a Branch

To apply in branch, visit a branch near you.

FAQs about a Personal Line of Credit

A Personal Loan has a set number of payments called the loan term (for example, 48 months). After you have made all 48 payments your loan is paid off and closed.

A Personal Line of Credit (PLOC) has a minimum monthly payment, but no set term. You can advance your loan funds, pay it off, and repeat. It gives payment flexibility by allowing you to make the minimum payment or more, up to the full balance. The line stays open until you request it be closed.


*APR = Annual Percentage Rate.
1 A Personal Line of Credit must be linked to a Members Choice personal checking account.
2 A Line of Credit Transfer Fee will be charged when funds are transferred by Members Choice, whether by a teller or automated transfer, to your linked checking account to cover an overdraft. A fee is not charged when you initiate a transfer yourself to your linked checking account. Refer to the Consumer Fee Schedule for fee amounts.
3 In certain situations, you may still incur a Choice Pay Fee or NSF Fee. For example, if your credit limit has been exhausted on your Line of Credit, a transaction may cause a Choice Pay Fee or NSF Fee to be charged. Additionally, if you have available credit on your Line of Credit but the available funds are not sufficient to cover the transaction, you may be charged both a Line of Credit Transfer Fee and a Choice Pay Fee in order to cover the transaction; if you do not have Choice Pay, the transaction will be returned and you would be charged a NSF Fee. Refer to the Consumer Fee Schedule for fee amounts.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.