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Get a fixed interest rate as low as for up to on a HELOC.2 Learn more

Loans and Lines of Credit



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Select the loan you need to reach your personal goals.

 

Calculators

 

 

Calculators


Home Equity

Home Equity Loans

 

You may be able to use the equity in your home to borrow a lump-sum amount and pay it off over a set repayment schedule.

 

Home Equity Line of Credit

 

Borrow what you need with a line of credit that uses the equity you’ve built up in your home. You can use it for a variety of needs, including renovating your home, consolidating debt or refinancing your mortgage.

 

 

 

 

 

Personal Loans and Lines of Credit

Personal Loans

 

When you want to borrow a lump sum amount - for a major purchase, a vacation, or another purpose - a personal loan offers the funds you need with a fixed repayment schedule.

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.

 

 

 

 

Auto Loans
 

 

 

Finance your new or used vehicle with your choice of auto loans that feature competitive rates and term options. The best part for you? You get a monthly payment that works for you.

Certificate of Deposit/
Savings Secured Loans

 

 

Do you have an existing BMO Harris Bank Certificate of Deposit or Savings account? Instead of dipping into your hard-earned savings, you may be able to borrow against these funds at low rates, while your savings continue to grow.


BMO Harris Express
Loan Pay SM

 

Need to make a same-day payment to avoid a late fee? With Express Loan Pay, you can make a fast and secure 1 loan payment directly from your BMO Harris checking account.

 

 

Learn more


1. Visit the BMO Harris Security Center for details.

2. The minimum line of credit withdrawal from a HELOC that can be converted to a fixed rate loan is $2,000 and the maximum that can be converted is 100% of the line amount. The minimum term is 5 years and the maximum loan term is 20 years. No more than three fixed rate lock options may be open at one time. Minimum payment due on a fixed rate lock option includes principal and interest in fixed monthly payments. As the fixed-rate balance is paid down during the draw period, funds are replenished and available for use at the variable rate during the first 10-year draw period.

Fixed Rate Lock Option Offer

Special offers are subject to change. The fixed rate lock option offer is available on applications received on or before February 29, 2020. The fixed rate lock option includes a -0.51% interest rate adjustment. With the -0.51% interest rate adjustment, APRs for a fixed rate lock option on 11/01/2019, ranged from 4.24% to 5.79%. APRs vary and will depend on the fixed rate index value at the time a fixed rate lock option is requested. The rate shown above is based on a 20-year term.

Apply for your Home Equity Loan now

 

 



Apply for a Home Equity Loan online


It’s never been easier! Start your application today.


Apply now




Give us a call


We’ll help walk you through the application process.


Call 1-800-546-6101Call 1-800-546-6101


Here’s what you’ll need to apply:

Employment & income information
 

Property information & requested loan amount

Positive credit score (typically a minimum of 680)

Equity in your home to borrow against

Apply for your Home Equity Line of Credit now

 

 



Apply for a HELOC online


It’s never been easier! Start your application today.


Apply now




Give us a call


We’ll help walk you through the application process.


Call 1-800-546-6101Call 1-800-546-6101


Here’s what you’ll need to apply:

Employment & income information
 

Property information & requested loan amount

Positive credit score (typically a minimum of 680)

Equity in your home to borrow against