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Get revolving access to an approved credit limit for unexpected expenses, home improvements, major purchases, travel, and more. Use what you need, pay interest only on the amount you borrow, and access available credit again as you repay the balance.
A Personal Line of Credit gives you revolving access to funds up to your approved credit limit. Borrow what you need for unexpected expenses, home or car repairs, major purchases, travel, or other personal needs. As you repay your balance, your available credit is replenished so you can use it again without applying for a new loan.
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Have questions about how a Personal Line of Credit works? We’re here to help.
A Personal Loan provides a lump sum of money that you repay over a set term with fixed monthly payments. A Personal Line of Credit gives you access to a revolving credit limit, allowing you to borrow only what you need, when you need it.
A Personal Line of Credit can be a good option for ongoing or unexpected expenses, home repairs, emergency costs, or projects where you may not know the total amount you’ll need to borrow upfront.
No. You can borrow only the amount you need, up to your approved credit limit. You’re not required to use the full amount available.
Yes. As you repay your balance, your available credit is replenished, allowing you to borrow again without submitting a new loan application, subject to the terms of your account.
Both provide revolving access to credit, but their rates, credit limits, repayment terms, fees, and features may differ. A Floridacentral lending specialist can help you compare your options and determine which type of credit may better fit your needs.
Your approved credit limit is based on several factors, including your creditworthiness, income, and overall financial profile.
A Personal Line of Credit may be connected to an eligible Floridacentral checking account for overdraft protection. Contact our team to confirm eligibility and learn how the service works.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the financing that’s right for your lifestyle.
1 APR is Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Rates effective as of September 30, 2026.