Premier Unsecured Line of Credit
The Premier Unsecured Line of Credit from Huntington helps put you in control of your finances. Receive a line of credit up to $100,000—no collateral necessary, empowering you to manage life’s big moments—planned or unplanned. Apply for an unsecured line of credit online at your local Huntington branch.
What is an unsecured line of credit?
An unsecured line of credit is a revolving loan that doesn’t require collateral, like your home or vehicle, to secure the loan. Eligibility is dependent on your credit qualifications. If approved, you can borrow what you need, repay it, and borrow again—on repeat. Plus, you only pay interest on what you borrow.
Premier Unsecured Line of Credit Features and Benefits
The Premier Unsecured Line of Credit can be used for almost anything—like managing unexpected expenses, home improvements and renovations, or consolidating high-interest debt—allowing you to use the funds in a way that helps meet your unique needs.
Borrow up to $100,000
We offer personal lines of credit ranging from $10,000–$100,000.
No Collateral Required
You don't need to use any assets to secure the line of credit. For lines over $20,000, verification of home ownership is required, but your home won't be used as collateral.
Flexible Borrowing Power
Borrow as many times as you want until your credit limit is reached. Pay back what you spent, and borrow again until you reach your limit, or your draw period ends.
Competitive Rates
We offer competitive, variable interest rates for qualified customers. And, during your draw period, you’ll only pay interest on the money you borrow.
Receive Funds Quickly
Our process is quick and secure, and requires less documentation compared to a secured loan, helping you receive funds faster.
Online Account Management
Save time with online account access that lets you view your personal loan balance, monitor the transaction history, and make your payments online.
†Disclosed rates are as of March 7, 2025, and are subject to change. The APR for this line of credit is variable based on Prime plus a margin and can change monthly but will never be higher than 18.0%. Rates and eligibility are determined based on address of primary residence, credit history, line amount and certain underwriting. Advertised rates are subject to change at any time.
Premier Unsecured Line of Credit
| Minimum Line Amount: | $10,000 |
|---|---|
| Maximum Line Amount: | $100,000 |
| Collateral: | None |
| Interest Rate: | Variable |
| Draw Period: | 5 Years |
| Repayment Period: | 15 Years |
| Annual Fee: | $50 |
How to Apply for the Premier Unsecured Line of Credit
We encourage you to visit your nearest Huntington branch, or call our lending center at (800) 628-7076.
From there, a lending specialist can help you with your application. You don’t need a Huntington bank account to apply and qualify for an unsecured line of credit.
Related Resources
Unsecured Line of Credit FAQs
Answer: With a line of credit, you’re able to borrow money at your discretion up to a pre-determined limit, and you typically only pay interest on the amount you borrow. If you hit your credit limit, you can repay the loan and re-borrow until you hit your limit again, or until your draw period ends.
Answer: An unsecured line of credit could be a helpful option for some because of its flexibility and faster decisioning:
- It can be used for a variety of purposes, such as home improvements, large electronic purchases, or unexpected expenses. It can also help you consolidate debt.
- Unsecured lines of credit do not require collateral, protecting your home and other assets should you default on the loan.
- Without collateral, less documentation is required, leading to faster decisioning and disbursement of funds to you.
- You have the freedom to borrow up to your credit limit, repay the loan, and re-borrow until you hit your limit again.
Answer: To determine loan qualifications, we look at a variety of financial factors, including your credit score and debt-to-income ratio (DTI). Each applicant is unique, but in general, you should need:
- At minimum, a 760 FICO credit score
- Home ownership verification for credit lines over $20,000
Answer: While it's good to start thinking about the documents you'll need to apply for a line of credit, we recommend calling our lending center at (800) 628-7076 or reaching out to your local branch to understand what you'll need for your specific application.
To start, you'll likely need:
- Social Security or Taxpayer Identification Number
- Personal identification
- Income information
- Employment history
Answer: With the Premier Unsecured Line of Credit, there is no origination fee, but there is an annual fee of $50, applied to the first statement of each year.
Answer: During the draw period, you can draw from your line of credit as many times as necessary until you reach your line limit. Once you’ve made payments to lower your credit utilization, you can resume borrowing until you reach your credit limit again.
Answer: You can access your line of credit through checks, by transferring funds through Online Banking or the Mobile Banking App, or by visiting a Huntington branch.
Answer: Conveniently pay your bills, schedule recurring payments, and view your loan balance through Online Banking.
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