Need a line of credit instead of a loan? With lines from $1,000 to $50,000 and no origination fee, you can borrow a little or a lot depending on what suits you.

account details

  • Line of credit from $1,000 to $50,000
  • Revolving line of credit 
  • $35 annual fee
  • Advance funds through check, in-store advance, transfer via online banking and telephone transfer
  • Variable interest rate
  • No origination fee
  • Minimum payment of 2% of principal balance or $50, whichever is greater

rate details

for zip code
Product rates
Balance Variable interest rate APR Floor Ceiling
$1,000-$5,000 Index + 6.75% - 11.75% 11.25% - 16.25% 6.00% 18.00%
$5,001-$25,000 Index + 4.75% - 9.75% 9.25% - 14.25% 6.00% 18.00%
$25,001-$50,000 Index + 3.95% - 8.95% 8.45% - 13.45% 6.00% 18.00%
Questions? Call us at 1-866-486-7782 or find a store near you.


Interest Rate

Rates shown are effective as of 12/14/2017 and subject to change without notice. Advertised rate includes 0.50% automatic payment discount from an Umpqua Bank Account. The disclosed APRs  are variable and subject to increase after consummation. The advertised APRs are based on the Wall Street Journal Prime Rate (the "Index"), currently 4.50%, plus a margin (spread). The margin is based on the approved loan amount and our evaluation of your credit history.

Credit approval

All accounts subject to credit approval.

open account

find a location near you or call us at 1-866-4UMPQUA


near zip code