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EZ Line of Credit

The easy way to access cash.

Apply for a Loan

Or call 1-800-621-2105

Make a Payment Continue Existing Application

EZ Line of Credit Interest Rate  APR 
EZ Line of Credit 11.74% 11.74%

Rates effective as of September 25, 2019, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.

EZ Line of Credit


  • Easy access to funds when you need them for unexpected expenses
  • Monthly payment is only 3% of the monthly outstanding balance
  • Easily move funds from your EZ Line of Credit to your checking account 


  • Established with a credit line from $500 to $2,500
  • Can be used as overdraft protection on your Elements checking account (overdraft will be in the exact amount needed to cover the shortage with only a $5.00 charge when used)
  • Move funds from your EZ Line of Credit to your checking account at ATMs, in online banking or by calling our 24/7 contact center


You can apply online in as little as 10 minutes! Or call 1-800-621-2105 to get started.

What you’ll need to open an account:

  • Your government-issued ID (driver’s license, state ID or passport)
  • Social Security number

What to expect during the application process:

  1. We’ll contact you within 1 business day after you submit your application to review documentation that we’ll need from you and answer questions you may have.
  2. We’ll contact you with a decision within 10 business days.
  3. That’s it – your Elements EZ Line of Credit is now ready to use!



Our experienced, helpful member service team is ready to support you!


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