| APR (Variable APR) | 10.5% - 15.5% |
| Loan Amount | $20,000 - $50,000 |
TD Bank Personal Line of Credit Review
TD Bank Personal Line of Credit is offered by TD Bank, a bank founded in 1855 and based in Wilmington, DE. TD Bank Personal Line of Credit is offered in 16 states (and Washington, DC).
What APRs does TD Bank Personal Line of Credit offer?
TD Bank Personal Line of Credit offers a variable APR product that ranges from 10.5% APR up to 15.5% APR.
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 TD Bank Personal Line of Credit charge an origination fee?
No, TD Bank Personal 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 TD Bank Personal Line of Credit charge a cash advance fee?
Yes, TD Bank Personal Line of Credit may charge a fee.Does TD Bank Personal Line of Credit charge a late fee?
Yes, TD Bank Personal Line of Credit may charge borrowers a late payment fee.How much can you borrow via TD Bank Personal Line of Credit?
Upon approval and based on your credit worthiness, your TD Bank Personal Line of Credit personal line of credit will be assigned a credit line of at least $20,000 and as much as $50,000. .
| Cash Advance Fee | N/A |
| Origination Fee | 0% |
| Prepayment Fee? | Yes |
| Late Payment Fee | N/A |
What do you need to qualify for TD Bank Personal Line of Credit?
Applicants with a credit score of at least 680 and up to 850 are eligible for TD Bank Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
TD Bank Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. TD Bank Personal Line of Credit only considers borrowers who are employed.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via TD Bank Personal Line of Credit. Their rates fall within the limits of The Military Lending Act.
Only U.S. citizens and permanent residents can apply for a loan.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
How to apply for TD Bank Personal Line of Credit
- Visit the TD Bank website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
Availability
- Connecticut
- Delaware
- Washington, DC
- Florida
- Maine
- Maryland
- Massachusetts
- New Hampshire
- New Jersey
- New York
- North Carolina
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Virginia
Feature Breakdown
| No Origination Fee | |
| Origination Fee ($) | $0 |
| Origination Fee | 0% |
| Annual Fee | $25 |
| Minimum Payment | $500 |
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