Skip to main content Skip to search

Personal loan

Personal Loans & Lines

Unsecured Personal Loans & Lines of Credit
Exclusively for existing VIXI Bank customers, our unsecured Loans & Lines of Credit provide fast, easy access to funds when you need them.

With the Line of Credit, our version of an unsecured line of credit, you’ll enjoy:
What you get?

» Credit limits up to $25,0002
» Competitive Annual Percentage Rates, currently 11.50%
» No annual fees
» Convenient, ongoing access to your funds via
– Line Access Checks
– Visa® Access Card
– 24-Hour Banking

» No fees for domestic purchases with Premier Line Access Checks or Premier Line Visa Access Card. No fees for funds advanced by phone, E-VIXI Bank branch teller, Internet or Premier Line Access Checks
» Same low Annual Percentage Rate for advances, balance transfers and purchases

11.50% Annual Percentage Rate (APR) is available on unsecured Line of Credit. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of December 15, 2017, the variable rate for Premier Line was 11.50% APR. Cash Advance ATM fee: 4% of each advance amount, $15 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. The annual fee is $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.

How It work it?

A VIXI Bank Line of Credit is a revolving, open-end line of unsecured credit that gives you instant access to funds on an ongoing basis with fewer fees. To apply, you must be a current E-VIXI Bank customer. It’s perfect for:
– Home improvements
– School tuition and expenses
– Managing your personal cash flow
– Paying off high interest rate credit cards
– Unexpected expenses

What You Need to Apply

To qualify for a Line you must be an established VIXI Bank customer with a checking account. If you are a recent customer (less than 120 days) or wish to become a VIXI Bank customer, please visit one of our branches. You will need the following information for your Premier Line of Credit application:
– Social Security Number
– Proof of your current rent or mortgage payment
– Details of your current employment
– Proof of your annual income