Products | Loans | Personal Loans and Lines of Credit

Borrow for a specific purpose or use a line of credit as needed.

A personal loan or line of credit from Columbus Metro is a great way to pay for planned and unexpected expenses, both now and in the future.

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Metro Line

Metro Line lets you access extra funds whenever, wherever you need them. With Metro Line, you have a personal credit line from $500 to $10,000. Simply call Metro Teller, use MetroWeb or visit or call one of our offices to make an advance.

Metro Line is even more convenient paired with a Columbus Metro checking account. When you link Metro Line to your checking account, it's your protection against costly fees for returned checks and check card transactions. Plus, a checking account makes accessing your Metro Line even more convenient: you can make an advance by writing a personal check, using your MasterMoney Check Card or withdrawing cash at an ATM. Please note that Metro Line will not automatically advance funds to cover a payment scheduled through MetroWeb Bill Pay.

Signature Loans

If you want to consolidate bills, pay for emergency car repairs or even finance a family vacation, a signature loan may be the answer. Signature loans are an unsecured loan product; your signature and your previous credit history act as collateral for the loan.

The maximum term for our signature loans is 48 months. The maximum unsecured debt per household is $10,000 (excluding Visa credit lines).

Share Secured Loans

If you have funds on deposit with Columbus Metro, a share secured loan is an economical way to borrow. With a share secured loan, we put a hold on your savings, money market or certificate accounts (Individual Retirement Accounts are not eligible) equal to the amount that you have borrowed. As you pay down the balance of your loan, your deposited funds become available to you again.

There are two primary advantages to a share secured loan. One, your funds on deposit are your collateral, so you receive a lower rate on your loan. And two, your funds on deposit continue to earn dividends. A share secured loan is also a great way to start rebuilding a damaged credit history.

Savings Builder Loan

Do you need funds for a special occasion or other upcoming expense? If so, our Savings Builder loan may be just what you're looking for!

The Savings Builder loan allows you to plan ahead for an expected future expense -- a wedding, a special vacation or tuition payments, for example. Here's how it works:

1. You determine how much you'll need to reach your goal; you can borrow anywhere from $1,000 to $10,000.
2. The proceeds of your Savings Builder loan are put into a special savings account earning our regular share rate.
3. You repay the loan in manageable monthly payments (up to a maximum of 60 months) at a low interest rate.
4. When the loan is paid off, the proceeds -- plus dividends -- are yours to spend as you wish.

Our Savings Builder loan is an attractive option for a number of reasons:

• It's available to everyone -- 100% of Savings Builder loans are approved (there is a nominal loan fee).

• It saves you money -- Because the proceeds of the loan are held as collateral, the rate is lower than for other personal loans.

• It's flexible -- You choose the loan amount and repayment term that's right for you. Plus, you can pay off your loan at any time without penalty.

• It provides peace of mind -- Planning ahead with a Savings Builder loan takes the worry out of big expenses.

• No regrets -- When you save for an upcoming expense, you're less likely to overspend. And you won't find yourself paying for an expense for years after the fact!

A Savings Builder loan is a great choice for members in a variety of situations. If you want to have funds on hand for a future expense, the Savings Builder loan can provide the discipline you need to get there. It's also a good option if you're looking to establish or rebuild damaged credit but don't have the funds required for a share secured loan.

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