EZ Line of Credit

Access flexible financing with an EZ Line of Credit.

Whether you want to tackle your latest home repair project, consolidate your high interest debts, or just be prepared for unexpected emergencies, our EZ Line of Credit is here for you. Much like a credit card, EZ LOC is a revolving line of unsecured credit that gives you instant access to funds. Plus – you’ll face fewer fees and lower interest rates than a traditional credit card.


  • Flexibility: With a line of credit, you have the flexibility to use how much you need, when you need it. You could be approved for up to $30,000.
  • Easy Access: If you have a deposit account with us, simply use online banking or the mobile app to transfer funds from your line of credit to your Emprise checking or savings account when you need it.
  • Reusable: Like a credit card, as you pay down on your EZ LOC, you can reuse the available balance.
  • Fees: An origination fee of $100 will get you started.

As of September 13, 2021, the variable rate for an EZ Line of Credit ranges from a low of 9.75% APR (Annual Percentage Rate) to a high of 10.75% APR. APR will depend upon credit score. Minimum loan amount of $5,000. The APR will change with the market based on the Prime Rate as published in the Wall Street Journal. Funds can be drawn from for 5 years, during which time interest-only payments are required. After the 5 year draw period, a 5 year repayment period is entered, during which time payments of both principal borrowed and interest are required. Financing the purchase of optional credit life and disability insurance will increase the payment amount. Debt already financed through Emprise Bank is not eligible for this offer.

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