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Personal Line of Credit

Get the funds you need, as you need them

Open a Lone Star Credit Union personal line of credit that you can draw from to cover ongoing expenses and pay it back when it's convenient for more financial flexibility.

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Life happens

The money is there when you need it for life's unexpected expenses.

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No collateral

Get the funding you need, even if you don't own property. There's no collateral required.

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Low fixed rate

Know exactly how much money you'll have to pay back for easier financial planning.

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No annual fee

Skip the unnecessary costs and keep more money in your account with no annual fees.

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Overdraft protection

Link your line of credit to your checking account to protect yourself from overdrafts.

Rates as low as APR*

Let's see what your monthly payment could be.

Monthly Payment


Low fixed rates

Don't pay credit card interest to make purchases

Credit cards come with high interest rates that make it difficult to pay off your balance. With a Lone Star Credit Union personal line of credit, you can enjoy low fixed rates, so you know exactly what your payments will look like.

Money when you need it

Prepare for life's curveballs

Whether you want to renovate your home or just need to cover a few unexpected costs, you can use the funds from your personal line of credit to cover just about any expense that comes your way. Fund the things that are just as unique as you are!

How it works

It's easy to get a personal line of credit from Lone Star Credit Union.

  • 1

    Complete an application

    It takes only a few minutes to complete the online application.

  • 2

    Get approved

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Make purchases

    Use your line of credit to purchase just about anything.

Open a personal line of credit

Top Questions

  • Yes,. On the desktop version of digital banking click the plus sign to take you to the Apply for Loan option.

    On mobile, tap the plus sign at the bottom of your screen and then tap Apply for Loan to begin the process.

  • Make your LSCU loan payment using another checking account, savings account, or debit card through our secure Online Payment Center. If you are making a payment from your LSCU account, please transfer your payment within digital banking.

    Please note: Your payments may not exceed $1,500 per entry. If you would like to setup recurring payment from another financial institution, please give us a call at 214.327.9367.

Have a question? View FAQs

Get the funding you need to cover life's expenses

Open a credit union personal line of credit with LSCU to get the funding you need to cover just about anything life throws your way. With low fixed rates and no collateral, it's easy to get flexible financing that works for your budget.

  • *APR = Annual Percentage Rate. Rates are effective February 21, 2023 and are based on creditworthiness. Subject to credit approval.

    Must be 18 years or older for any loan at Lone Star Credit Union. Rates subject to change at any time. Loan application and approval required.


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