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Stock-Secured 贷款 and Line of Credit

A way to get even more out of the stocks you already own.

申请贷款 请拨打电话1-800-621-2105

Stock-Secured 贷款 and Line of Credit

Secure your loan with stock and enjoy a low interest rate.

关键特性

  • Uses stock you own as collateral
  • Borrow up to 70% of the current market value of the stock
  • Get a lower interest rate than an unsecured loan
  • Variable interest rate indexed to Prime 率 as published in The Wall Street Journal1
  • Available as a term loan or line of credit

可能是个不错的选择吧

  • You own stocks and want to continue getting the benefits of dividends or stock splits while being able to use the cash value of your stock
  • You don’t want to use your home as equity for a loan or line of credit

请拨打电话1-800-621-2105

什么是股票担保贷款?

A woman looking at some financial papers

This is a loan that uses stock you own as your collateral. That means you continue to get the benefits of dividends or stock splits while also getting to use the cash you’ve borrowed against it.

它是如何工作的

You can borrow up to 70% of the value of stock you hold at 元素 in an LPL account, 须经批准. The funds are held in an LPL Collateralized 贷款 Account. The variable interest rate is indexed to Prime 率 as published in The Wall Street Journal.1

访问基金

Easily manage your loan activity with 哪个赌钱app比较好 and the 元素 手机应用程序. You can access funds in as little as one business day after your loan is finalized. Funds will be available in the 元素 account of your choice or sent to you via check.

偿还贷款

Pay off your loan in regular monthly payments.

开始

Can I use a Stock-Secured 贷款 for anything I want?

A couple looking at financials on their laptop

Yes, you can use your Stock-Secured 贷款 or Line of Credit on anything you want—it’s up to you!

开始

费用是多少??

A man checking his investments on his laptop

There are no prepayment penalties or loan fees associated with a Stock-Secured 贷款.

Why should I go to 元素 for my loan?

A woman paying for drinks with her phone

像银行一样,只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally2. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

Our technology makes banking with 元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

我如何申请?

A screenshot of our online application.

3个简单的步骤应用

  1. 在线申请 - You can apply online in as little as 10 minutes! Submit your application anytime or call 1-800-621-2015 开始吧. Have ready your government-issued ID (driver’s license, 状态标识, or passport) and your social security number.
  2. 接我们的电话 We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
  3. 就是这样! - We'll contact you with a decision within 10 business days. Once your loan is approved and finalized, you can get cash in your account in as little as one business day.

马上申请

我的贷款还款额是多少?

股票担保贷款计算器

结果

  1. 1 Collateral value will be determined by LPL Financial derived from the previous day’s closing price of the security. 好的赌博软件推荐 will lend up to 70% of the value of any securities, 须经信贷审批, held in an LPL Collateralized 贷款 Account, except for the purpose of purchase or carrying securities, which the maximum loan to value will be 50% as in accordance to Regulation U. 股票贷款最低为5,000美元. The interest rate shall be a variable rate equal to the Prime 率 as published in The Wall Street Journal on the last day of the previous month plus or minus a margin rounded to the nearest 0.25%. The rate will never be higher than 18% or lower than 3.75%
  2. 2 Based on asset size as of 12/31/2022.