Loans and Lines of Credit
Need help with your borrowing needs?

We’ll guide you through the process.

Loans and Lines of Credit

Straightforward, easy-to-understand explanations. Need assistance deciding which loan is the right loan? We’ll provide you with advice and guidance throughout the loan process. Welcome to BMO Harris lending solutions.

Home Equity

You may be able to use the equity you have in your home to get money for the things you need and want. An unforeseen home repair or improvement like a new roof or driveway can quickly turn into a financial burden. We can help you put your home to work as collateral for a home equity loan or a home equity line of credit (HELOC).

We offer the option of a lump-sum loan or a line of credit you can draw against. Interest may be tax deductible. Consult your tax advisor.

Home Equity Loan

A one-time lump sum loan with a fixed interest rate

  • Borrow as little as $5,000 or as much as you qualify for
  • Borrow a lump sum and pay off over time
  • Plan around a set repayment schedule
Home Equity Line of Credit

A revolving credit line with a variable interest rate

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Personal Loans & Lines of Credit

Personal loans and lines of credit are financing solutions that can help you consolidate debt, buy new furniture, pay for a long-postponed vacation and more.

All of our personal lending options come with practical advice and guidance. Rates and terms are available to fit your budget needs. You can even apply for a personal loan or line of credit without any security or collateral.

Personal Loans

A lump-sum amount with a fixed repayment schedule.

  • A fast, simple application process
  • Competitive rates and term options
  • A quick decision
  • Repay early with no penalty
Personal line of credit

Access money when you need it and up to your available credit limit. You pay interest on the money you actually borrow, not the full amount of the line.

  • Fast and simple application process
  • Competitive rates
  • Get a quick decision
  • No monthly payments until you use your line of credit
  • Write a check to draw against your available line when you need funds
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Other Loan Types



With Refi-Xpress and you'll enjoy convenience, affordability and the security of a fixed monthly payment. Most loans will close within 30 days of application approval.

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Auto Loans

Auto Loans

Our auto loans feature competitive rates and term options. Whether you’re shopping for a used car or a shiny new set of wheels, an auto loan from us can help you purchase your vehicle.

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Certificate of Deposit/ Savings Secured Loans

Certificate of Deposit/ Savings Secured Loans

Borrow against your savings of CD accounts can help you avoid dipping into savings or paying penalties for early CD withdrawals. If you fail to pay your loan/line as agreed, the bank will cash in the CD and you will pay a penalty for early CD withdrawals.

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Lending Calculators/ Quick Links

  1. The BMO Harris Bank Equity Access Card may not be available in all states.