SuperMoney 
  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

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Bank of the West Line of Credit to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

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

Overview

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 offers business loans with variable APRs starting from % .

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 charges 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.

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 .
    • 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.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    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

    Be the first to rate

     
     

    Would you recommend Bank of the West Line of Credit to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    Cancel my vote
    (will require moderator approval)

    Other Personal Lines of Credit