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Available Credit

A prime line of credit, also known as a personal line of credit is similar to a credit card. It gives you cash flow with a revolving line of credit, no minimum, but with a lower interest rate.

It can be used for a number of things including:

  • A safety net for unexpected expenses like car repairs or medical bills.
  • The consolidation of high-interest debt from credit cards, saving you money on interest payments in the long run.
  • Protection for your checking account, where it can cover overdraft fees.
  • Easy access to funds for home improvement projects or educational expenses without the hassle of applying for a new loan each time.

Your line of credit works to boost your credit score when managed responsibly, which improves your creditworthiness opening doors to better loan rates and terms in the future. Easily apply online today!

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Personal Loan Rates

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Loan Product Collateral Minimum Loan Maximum Term Rate APR* as low as
Personal Unsecured N/A N/A 48 Months Fixed 10.99%
Quick Cash - Apply Now N/A $300 12 Months Fixed 18.00%
Variable Rate Personal Unsecured  N/A N/A 48 Months Variable Prime +2.00% 8.75%
Prime Line N/A N/A 60 Months Variable Prime +2.00% 8.75%
90 Day Single Pay Notes - Rate follows collateral being held

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Rates were last updated on 2/11/26. Your rate may vary depending on your credit score. As of 12/12/25, Consumer Loan Prime Rate is 6.75. Payment Example: Personal - 48 months @ 10.99% your payment will be roughly $25.85 monthly per $1,000 borrowed. Click here to visit our Loan Payment Calculator to determine a monthly payment that works for you

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Plan Your Payments with Confidence

Wondering what your payments could look like? Prime Lines of Credit offer flexible borrowing, and with repayment amounts that can change with your balance and interest rate. This calculator helps you estimate monthly payments and plan for different scenarios.

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How Long Will It Take To Pay Off My Debt?

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Should I Consolidate My Debts?

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