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Online Banking First Time User? Enroll Here

Private Unsecured Line of Credit

  • 12, 24, or 36 month terms
  • Loan amounts starting at $50,000
  • Minimum unencumbered liquidity covenant is required on all credits over $250,000
    • Shall not exceed 85% of the borrower’s unencumbered liquid assets if under management at SmartBank or its affiliate, or
    • Shall not exceed 40% of the borrower’s unencumbered liquid assets if under management outside of SmartBank or its affiliate, and
    • All unsecured commitments by all creditors cumulatively shall not exceed 75% of the borrower’s total unencumbered liquid assets at all times
  • $500 document prep fee
  • Competitive variable rates based on loan amount
  • Minimum credit score of 680 required

Private Unsecured Loan

Created to help you invest in your dreams, our unsecured financing options can help you get where you want to go.

  • 1-5 year terms available
  • Loan amounts starting at $50,000
  • $500 Doc Prep fee
  • Competitive fixed rates based on loan amount
  • Minimum credit score of 680 required
Borrower must meet one of the requirements for Private Banking. Subject to underwriting and approval.