Loans & Credit

Consumers Reserve Personal Line of Credit

Need help with unexpected expenses? A Consumers Reserve Personal Line of Credit may be the answer! This option offers approved customers access to funds on an as-needed basis. It’s kind of like writing yourself a loan whenever you need it!

Consumers Reserve is a personal, unsecured loan between $500 and $2,500 linked to your Consumers National Bank personal checking account. You can draw from the Consumers Reserve account for a variety of purposes simply by writing a check. Access it as often as you like, as long as you have an available balance.

Pay off this loan anytime, without a prepayment penalty. When there’s an outstanding balance, your linked checking account is debited either 3.00% of the amount due, or $10 — whichever is greater. See below for more details or contact us to learn more.

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  • Financing can be used for a variety of needs
  • Qualified borrowers can access between $500 to $2,500
  • Advances are in increments of $100
  • Annual fee $30.00
  • 13.99% APR*
  • No transaction fee to access your Cash Reserve
  • Minimum payment is $10 or 3.00% of balance, whichever is greater
  • Cash Reserve links to customer’s personal checking account (as a DDL) 
  • Separate Cash Reserve checks provided for account access