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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
Community Rating

Rating not yet determined  

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

Bank of the West Line of Credit Review

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

Bank of the West Line of Credit FAQ

What APRs does Bank of the West Line of Credit offer?

Bank of the West Line of Credit offers a variable APR product, but they do not disclose their rates. Rate is quoted with autopay discount*.

Does the 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 the 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 the Bank of the West Line of Credit charge a statement balance 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.

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 limit 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 No
Prepayment Fee? Yes
Late Payment Fee No
Statement Balance Fee No

What do you need to qualify for Bank of the West Line of Credit?

Applicants with a credit score of at least 680 and up to 850 may be eligible for Bank of the West Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Bank of the West Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. Bank of the West Line of Credit only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Bank of the West Line of Credit. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Bank of the West Line of Credit. Permanent resident / green card holders are also eligible to apply.

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

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

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Bank of the West Line of Credit

  • Visit the Bank of the West Line of Credit website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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

Other Services by Bank of the West

Availability

  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  
Checking Account Required  
Credit Score Range 680 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Loan Amount $5,000 - $50,000

Bank of the West Line of Credit Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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