1 Disclosed rates are as of March 7, 2025, and are subject to change. The APR for this line of credit is variable based on Prime plus a margin and can change monthly but will never be higher than 18.0%. Rates and eligibility are determined based on address of primary residence, credit history, line amount and certain underwriting. Advertised rates are subject to change at any time.
Premier unsecured line of credit
A credit line that doesn’t tie up your assets
An unsecured line of credit gives you access to funds without using your home or other personal property as collateral. It’s a revolving credit option that you can draw from, repay, and reuse—based on your approved limit.
A credit line that fits your life
Choose a credit line that fits your needs
Keep your assets where they belong—with you
Use what you need, when you need it
Rates that reflect your credit profile
Apply with less paperwork
Manage your loan online
Premier Unsecured Line of Credit | Premier Unsecured Line of Credit |
|---|---|
Minimum Line Amount | $10,000 |
Maximum Line Amount | $100,000 |
Collateral | None |
Interest Rate | Variable |
Draw Period | 5 Years |
Repayment Period | 15 Years |
Annual Fee | $50 |
Apply for a Huntington Unsecured Line of Credit
Start with a conversation. We’ll guide you from there.
Applying is easy, and you don’t need a Huntington account to begin. Apply online, visit a branch or call (877) 881-7787 to speak with a lending specialist who can guide you through your options.
Related Resources
How to help build credit
Tips for first-time homebuyers
Unsecured Line of Credit FAQs
What is an unsecured line of credit?
An unsecured line of credit is a revolving loan that doesn’t require collateral, like your home or vehicle, to secure the loan. Eligibility is dependent on your credit qualifications. If approved, you can borrow what you need, repay it, and borrow again—on repeat. Plus, you only pay interest on what you borrow.
How does an unsecured line of credit work?
With a line of credit, you’re able to borrow money at your discretion up to a pre-determined limit, and you typically only pay interest on the amount you borrow. If you hit your credit limit, you can repay the loan and re-borrow until you hit your limit again, or until your draw period ends.
Why choose an unsecured line of credit?
An unsecured line of credit could be a helpful option for some because of its flexibility and faster decisioning:
- It can be used for a variety of purposes, such as home improvements, large electronic purchases, or unexpected expenses. It can also help you consolidate debt.
- Unsecured lines of credit do not require collateral, protecting your home and other assets should you default on the loan.
- Without collateral, less documentation is required, leading to faster decisioning and disbursement of funds to you.
- You have the freedom to borrow up to your credit limit, repay the loan, and re-borrow until you hit your limit again.
How do I qualify for an unsecured line of credit?
To determine loan qualifications, we look at a variety of financial factors, including your credit score and debt-to-income ratio (DTI). Each applicant is unique, but in general, you should need:
- Minimum of 760 FICO credit score
- Home ownership verification for credit lines over $20,000
What do I need to apply for the Premier Unsecured Line of Credit?
While it's good to start thinking about the documents you'll need to apply for a line of credit, we recommend calling our lending center at (800) 628-7076 or reaching out to your local branch to understand what you'll need for your specific application. To start, you'll likely need:
- Social Security or Taxpayer Identification Number
- Personal identification
- Income information
- Employment history
What fees come with the Premier Unsecured Line of Credit?
With the Premier Unsecured Line of Credit, there is no origination fee, but there is an annual fee of $50, applied to the first statement of each year.
How many times can I draw from my unsecured line of credit?
During the draw period, you can draw from your line of credit as many times as necessary until you reach your line limit. Once you’ve made payments to lower your credit utilization, you can resume borrowing until you reach your credit limit again.
How do I access my funds?
You can access your line of credit through checks, by transferring funds through Online Banking or the Mobile Banking App, or by visiting a Huntington branch.
How can I make a payment?
Conveniently pay your bills, schedule recurring payments, and view your loan balance through Online Banking.
Disclosures
Lending products are subject to credit application and approval.