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Stock-Secured Loan and Line of Credit

A way to get even more out of the stocks you already own

Apply for a Loan Call for Rates 1-800-621-2105

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Stock-Secured Loan and Line of Credit


  • Get a lower interest rate on your loan compared to an unsecured loan
  • Can be used as a term loan or line of credit


  • Up to 70% of the value of any securities, subject to approval, held in an LPL Collateralized Loan Account
  • Variable interest rate indexed to Prime Rate as published in The Wall Street Journal1
  • Multiple repayment options including quarterly interest-only payments coinciding with dividend payments


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 no later than 1 business day after you submit your application.
  2. Closings generally within 10 business days.
  3. That’s it — your Elements Stock-Secured Loan is now ready to use!


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


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Stock-Secured Loan Calculator


You Might Find Helpful

  1. 1 Collateral value will be determined by LPL Financial derived from the previous day’s closing price of the security. Elements Financial will lend up to 70% of the value of any securities, subject to credit approval, held in an LPL Collateralized Loan Account, except for the purpose of purchase or carrying securities, which the maximum loan to value will be 50% as in accordance to Regulation U. Stock loan minimum is $5,000. The interest rate shall be a variable rate equal to the Prime Rate as published in The Wall Street Journal on the last day of the previous month plus or minus a margin rounded to the nearest 0.25%. The rate will never be higher than 18% or lower than 3.75%