Personal Line of Credit

Personal Line of Credit – Flexible Cash When You Need It!
Life can be unpredictable, but financial flexibility can make all the difference .With a Personal Line of Credit (PLOC) from Colonial, you’ll have flexible access to funds—paying interest only on what you borrow. Whether you’re consolidating debt, upgrading your home, or handling unexpected expenses, a PLOC helps you stay financially prepared for whatever comes next.
How It Works
  • Credit lines from $5,000 to $50,000
  • Revolving line of credit
  • Required payments are interest-only monthly
  • Variable interest rate (Annual Percentage Rate may vary)
  • Easy access when you pair with a Colonial Free Checking Account
  • $25 annual fee
  • 700 minimum credit score 
Make the Most of Your PLOC
  • Debt Consolidation – Simplify your finances with one manageable payment.
  • Home Improvements – Remodel, upgrade, or tackle long-awaited repairs.
  • Medical Expenses – Cover out-of-pocket costs or unexpected bills.
  • Education Costs – Invest in tuition or professional development.
  • Vehicle Repairs or Purchases – Keep your car in top shape or fund a new one.
  • Travel & Special Occasions – Plan that dream vacation or milestone event.
  • Emergency Expenses – Be ready for life’s surprises, big or small.
Get Faster Access to Funds with a Colonial Free Checking Account!
Pair your PLOC with a Colonial Free Checking Account for seamless, on-the-go access to your funds whenever you need them.

Ready to get started?

Give us a call

See What our Customers Are Saying

Read feedback from real Colonial customers and see how we’re enhancing their banking experience with exceptional service and personalized solutions.

“My family has banked with Colonial since the '70s. You are a member of the family here. The mammoth banks cannot compete with Colonial's personalized service. They ALWAYS make sure they know you and your specific needs. I will never switch. Highly recommend!!”

Barbara C.

“I may be living in Houston now but my money stays in Colleyville and has for the last 45 years! You are like family to me.”

Don B.

“All the ladies at Colonial in Colleyville are friendly, caring, and service friendly. I highly recommend this bank!”

Ruth E.

“It is so refreshing to be a customer of a business that is so concerned with customer service. From someone answering the phone and not getting a phone tree, to being greeted at the front door, to employees truly there for you. I highly recommend Colonial Savings.”

Susan D.

“I have been with Colonial Savings since 1999. They have always looked for ways to serve my banking needs with professional and courteous associates. Definitely a 5 star organization!”

Jeffrey P.

“Great service on banking and loans as well. I have been a customer for 30 years and have always been treated with courtesy and respect. Top notch service!!! I highly recommend.”

Thomas H.

Colonial Routing #: 311972238.
© Copyright 1990-2024 All Rights Reserved. Rates and terms subject to change without notice.
This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z.
Digital Marketing By