Personal Line of Credit

Designed to cover checking overdrafts and provide cash when you need it.

Life happens. Unexpected expenses or bills that arrive at a challenging time can leave you with less in your checking account than you’d like. For qualifying customers, a Personal Line of Credit from Westfield Bank can help you ensure that you’re covered.



A Personal Line of Credit has you covered:



Checking Overdrafts

  • Your Personal Line of Credit is connected to your Westfield Bank checking account. In the event of an overdraft, funds are automatically transferred for the amount needed to cover items beyond your account balance, up to the credit limit of the line. 

Tap Into Cash as Needed

  • If you ever need money for an unplanned expense, you can access your Personal Line of Credit via online banking, our mobile app, or in person for up to your maximum pre-approved amount. Simply transfer the amount needed into your checking account. 

Personal Lines of Credit can have a limit of as little as $500 to as much as $2,500, depending on your preference and qualification. There is no annual fee, no transfer fees, or prepayment penalties, and you’ll pay interest only if you use it. 

Apply online or in person today


The application is quick and easy, including a credit score review, and you’ll typically get a decision within one business day. Apply online below or visit your local Westfield Bank branch to complete an application. 

Personal Line of Credit Rates

Annual Percentage Rates (APRs) are accurate as of May 23, 2024. All rates are subject to change without notice. 

Personal Line of Credit

Annual Percentage Rate (APR) Minimum Loan Maximum Loan Annual Fee Apply
18.00% $500 $2,500 $0 Apply Now

No annual fee. You only pay finance charges on the amount you borrow.