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

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 offered in 50 states (and Washington, DC).

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*.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

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.

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 Bank of the West Line of Credit?

Applicants with a credit score of at least 680 and up to 850 are 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.

Only U.S. citizens and permanent residents can apply for a loan.

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

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.
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