What's great about a Truity Line of Credit?

A Line of Credit is a revolving loan with a predetermined credit limit and a fixed interest rate. As you pay down the balance, the funds become available for you to use again. Access your funds in digital banking, by phone, or visit the branch nearest you.

Flexible Access to Funds

Competitive Rates

In-House Servicing

Build Credit

Skip a Payment

Need a little extra spending money? We can help—just skip your next loan payment!

Log In to Skip Payment

Make a Payment

With our convenient online options, managing your payments has never been simpler.

Make a Payment

Related Products

Signature Rewards Credit Card

Earn rewards faster for travel, gift cards or cash back.

Learn More

Rates51 as of 03/15/2025

Loan APR Loan Term
Line of Credit 38 11.25% Fixed, Revolving

Disclosures

38. APR = Annual Percentage Rate. With approved credit. Variable rates based on your creditworthiness and subject to change. Monthly payments are 3% of your credit limit or the balance, whichever is less. No origination fee.

70. By participating in Truity’s Skip-A-Pay program, you request your loan payment(s) are deferred as indicated. You agree and understand that: 1) FINANCE CHARGES will continue to accrue during and after the deferral period; 2) deferring payment will result in higher total FINANCE CHARGES than if payment were made as originally scheduled; 3) payment deferral will require extra payments past the original maturity date; 4) elected GAP or Warranty Coverage will not be extended beyond the original maturity date; 5) payments will resume the following month; 6) there is a $38 fee; 7) If you have an ACH initiated with another financial institution that automatically makes your payment, you will need to contact that institution to stop payment. If you have an ACH initiated with Truity that automatically pulls money from another financial institution, you will need to contact us to stop payment at least 4 days prior to the next due date of the Auto Pay; 8) if we are unable to stop your ACH payment in time, your skipped payment may be delayed until the next payment. Deferrals subject to approval. Loan(s) must be in good standing to accept this offer. Restrictions may apply. Excludes real estate loans, single payment loans & lines of credit.