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Unsecured Line of Credit

We make it easy to access funds when you need them.

An Unsecured Line of Credit is a variable rate credit product that provides access to funds when you need them.  As you repay your outstanding balance, the amount of available credit is replenished and made available for future use.  Qualifying is simple.1 You do not need to use your home or other personal assets as collateral.  An Unsecured Line of Credit provides peace of mind because you’ll always have immediate access to funds as needed.

To Apply Now or Schedule an Appointment:

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      Competitive, variable interest rate

    • Dollar Sign Crossed Out in Circle

      No collateral required

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      Access funds through check or transfer

  • Enjoy Real Flexibility:

    An Unsecured Line of Credit from FNB1 gives you the flexibility to borrow up to your credit limit at any time. Whether you use your line for overdraft protection or just as a cushion for those unexpected expenses, a line of credit provides you the borrowing power you need to help meet life's financial demands.

    How an Unsecured Line of Credit Works:

    An Unsecured Line of Credit allows you to borrow as much as you need, at any time, up to a certain amount — unlike an installment loan, which is for a specific dollar amount. As you repay your outstanding balance, the amount of available credit is replenished — meaning you can borrow against it again and again. With this type of loan, you only pay interest on the amount you use. Best of all, you do not need to use your home or other personal assets as collateral to ensure repayment of the loan.

    Key Features:

    • Flexibility to borrow as needed, repay and borrow again up to your credit limit2
    • One-time, lump-sum distribution of loan proceeds
    • Borrow from $2,500 - $25,000
    • Variable interest rate tied to the U.S. Prime Rate3
    • Access your funds via check or online transfer

    Great For:

    • Providing overdraft protection for your checking account
    • Covering unexpected expenses
    • Providing liquidity to bridge the gap between when your bills are due and when you get paid

  • Qualifying for an Unsecured Line of Credit:

    FNB uses credit score, employment history, monthly debt payments and income, among other factors, when considering whether or not to approve your application.

    The Borrowing Process:

    Our objective is to make the borrowing process simple and straightforward. To apply for an Unsecured Line of Credit, you will want to have the following information available for your branch visit:

    Required Identification:

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Getting Prepared:

    While you won't need this for your initial visit to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:

    • To verify your income
    • To provide bank statements
    • To provide tax documents

With any account, you also get the latest in digital technology:

Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.

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Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.

Compare all

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide

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FNB offers a full breadth of products and services for your needs.

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Notices & Disclosures

1 - All loan products are subject to credit approval. 
2 - During the draw period
3 - U.S. Prime Rate as published in The Wall Street Journal

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