We have two unsecured line of credit options

Contact us 563.388.7228 or 888.501.7966 to learn more or apply online.

Personal Line of Credit
No need to put off that next big home project or wonder how you will pay for that unexpected expense. Set up a Personal Line of Credit with Quad City Bank & Trust and rest easy knowing that you have it covered. With a low, variable rate of just 6.50%* you can take care of any need. Control your finances with an interest-only minimum payment – you decide – pay the minimum or pay more!
Minimum Loan Amount $2500.00
Annual Percentage Rate (APR) 6.50% Annual Percentage Rate. The rate is in effect as of August 8, 2022
Variable rate information The variable rate will be 1.0% spread above the base rate of Quad City Bank & Trust, adjusted monthly
Minimum / Maximum Advance No minimum advance; Maximum advance -- the amount remaining up to the available credit limit
Method of Computing Balances for Purchases Average Daily Balances Including Advances

* Base Rate equals prime rate + 1% as published in The Wall Street Journal. Personal Line of Credit is a revolving line. The minimum payment is interest only.  The APR may vary. Terms and conditions are subject to change without notice.

Overdraft Line of Credit
Gain the added security of overdraft protection and the convenience of additional funds with a Line of Credit. Money is deposited into your account at your request or whenever your checking account is overdrawn, up to your available credit limit.
Annual Percentage Rate (APR) for Purchases and Cash Advances 14.45% Annual Percentage Rate may vary. The rate is in effect as of August 8, 2022
Variable Rate Information Your rate may vary. The rate will be 8.95% spread above the base rate* of Quad City Bank & Trust, adjusted monthly.
Grace Period for Repayment of Balance for Purchases None
Method of Computing Balances for Purchases Average Daily Balances Including New Advances
Annual Fee None
Transaction Fee for Cash Advances None

*Base Rate equals prime rate as published in The Wall Street Journal. Quad City Line of Credit is a revolving line of credit attached to a Quad City Bank & Trust checking account. Advances in multiples of $50.00, up to the credit limit, are deposited into the checking account at the request of the borrower or whenever the checking account is overdrawn. The minimum payment is 5% of the outstanding loan balance or at least $15.00. The borrower will receive an itemization of the Quad City Line of Credit activity with the checking account statement. If the borrower does not pay at least the minimum payment by the fifteenth day after the statement date, the minimum payment will be withdrawn from the checking account. Request a Quad City Line of Credit Agreement for details.

Please note: Quad City Bank & Trust originates loans in the following counties - Scott County, IA and Rock Island County, IL. If you reside outside of these counties, please contact Customer Care at 563.468.6277 and ask to speak with a loan officer. Our toll-free number is 1-866-676-0551.