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  Bank of the West Line of Credit

Bank of the West Line of Credit

in Personal Lines of Credit from Bank of the West

Unaffiliated

Bank of the West Line of Credit

Unaffiliated

in Personal Lines of Credit from Bank of the West

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Highlights
Highlights
Loan Amount $5,000 - $50,000
APR  (Variable APR) N/A

Bank of the West Line of Credit Review

Where does Bank of the West Line of Credit do business?

Bank of the West Line of Credit is a bank based in San Francisco, CA. that was founded in 1874. Bank of the West Line of Credit is offered in 50 states (and Washington, DC).

What are the APRs offered via Bank of the West Line of Credit?

Bank of the West Line of Credit does not disclose the APR of its line of credit.

Does Bank of the West Line of Credit charge an origination fee?

No, Bank of the West Line of Credit does not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Bank of the West Line of Credit charge a cash advance fee?

Yes, Bank of the West Line of Credit may charge a fee.

Does Bank of the West Line of Credit charge a late fee?

Yes, Bank of the West Line of Credit may charge borrowers a late payment fee.

Does Bank of the West Line of Credit charge prepayment fees?

Yes, Bank of the West Line of Credit charges additional fees to borrowers who close their line of credit sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a line of credit.

How much can you borrow via Bank of the West Line of Credit?

Upon approval and based on your credit worthiness, your Bank of the West Line of Credit personal line of credit will be assigned a credit line of at least $5,000 and as much as $50,000. .

Bank of the West Line of Credit Fees
Cash Advance Fee N/A
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee N/A

What do you need to qualify for a line of credit with Bank of the West Line of Credit?

Applicants with a credit score of at least 680 can apply for a line of credit via Bank of the West Line of Credit. The minimum age to apply for a line of credit is 18 or the state minimum, whichever is higher.

Bank of the West Line of Credit only considers borrowers who are employed, or have a regular source of income or benefits

Active duty servicemembers and their covered dependents are not considered covered borrowers. In other words, they are eligible to apply for a line of credit via Bank of the West Line of Credit. Their rates fall within the limits of The Military Lending Act. Only U.S. citizens and permanent residents can apply for a line of credit.

  • Applicants must have an active and valid checking account

Does Bank of the West Line of Credit report your account activity to credit bureaus?

Bank of the West Line of Credit reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Bank of the West Line of Credit

  • Visit the Bank of the West website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
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Contact

  • Headquarters
  •   180 Montgomery Street
    San Francisco, CA 94104 USA
  •   Visit Site

Other Services by Bank of the West

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
No Origination Fee  
Minimum Age 18
Credit Score Range 680 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Joint Loan Applications Accepted
  • Individual Applications
Loan Amount $5K - $50K

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