Line Of Credit Loans

We all have times when we could use a little extra cash. Whether you’re looking to pay your taxes, purchase a big ticket item, or pay for unexpected expenses, our line-of-credit loan can help.

Line Of Credit Loans

We all have times when we could use a little extra cash. Whether you’re looking to pay your taxes, purchase a big ticket item, or pay for unexpected expenses, our line-of-credit loan can help.

A line-of-credit is a revolving loan. Each time you borrow and repay the balance, the line automatically remains available for future use, and at a competitive rate. Once your line of credit and its credit limit is established, you will never have to fill out another credit application.

These loans are versatile because they can be used for just about anything you choose!

Cash Advance.

Not only does the line-of-credit provide a ready reserve for when you need money on short notice, it also offers convenient access options. You can transfer money from your line-of-credit to your savings and/or checking using free online banking.

Apply for a Line Of Credit Loan today! >

Holiday Line Of Credit Loans

Make your holiday dreams come true. You work hard all year long so let us help you during the holidays with a Holiday Loan that gives you access to a line-of-credit throughout the holidays and into the New Year. In addition, a holiday loan with a single, low monthly payment offers a simple, money-saving alternative to using high interest credit cards. Available October 15th through January 31st.

You can transfer money from your holiday line-of-credit to your savings and/or checking using free online banking. Advances on your holiday line-of-credit may be made October 15 through January 31.

^{* 8.00% APR – No Matter Your Credit Score}

*8.00%APR for every approved holiday loan. Approval based on our creditworthiness. APR=Annual Percentage Rate. All Credit Union loan programs, rates, terms & conditions are subject to change at any time without notice.

Apply for a Holiday Line Of Credit Loan today! >

Overdraft Protection

This optional line-of-credit is an excellent way to protect yourself from overdrawing your checking account. Some financial institutions charge as much as $30.00 when they clear a check that would have otherwise bounced. Their “courtesy pay” fee applies regardless of how little you needed for that check to clear. With Buffalo Metropolitan’s overdraft protection, you simply pay on the monies that are needed to cover your transaction.

A loan officer will work with you to identify your needs and then tailor your overdraft protection limit accordingly.

A Security Blanket for Your Checking Account.
Prevent Bounced Checks.
Debit Card Purchases Covered.

If there aren’t enough funds in your checking account or linked overdraft protection to cover an item, overdraft protection won’t occur and you will be charged a non-sufficient funds fee. That’s why it’s a good idea to track your available funds and available credit via online banking.

Apply for Overdraft Protection today! >

Credit Union Payday Alternative Loan (CUPAL)

You don’t always have the cash to cover large purchases or emergency costs. A credit card gives you a way to pay for those things at a fair rate.

A smarter alternative to payday loans…CUPAL (Credit Union Payday Alternative Loan)

CUPAL*	Payday Lending
28%APR regardless of score	Up to 500%
3% interest rate reduction with payroll deduction	Zero reduction
Application Fee – $20.00	Up to $100.00
Late Fee – $30.00 after 15 days	Up to $35.00+ after 5 day limit
Limit $200.00 – $1000.00	$200.00 – $1000.00