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Introductory rates for a home equity line of credit begin at APR, with a APR after months.2 Apply now

Special intro rates available.2 Apply now

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. Special offers are subject to change.

Costs and Fees:

The introductory rate offer is available on applications received from 3/1/2019 through 5/31/2019 and is subject to change. The introductory rate is fixed during the introductory period. No customer or other discounts are available during the introductory period. Depending on individual credit qualifications, collateral location and combined loan to value ratio, the introductory rate ranges from 2.79% APR to 3.79% APR for 6 months and 3.49% APR to 4.49% APR for 12 months.

Variable Rate Information

For a Home Equity Line of Credit, the annual percentage rate (APR) is a variable rate based on The Wall Street Journal® Prime Rate (5.50% on 05/01/2019) plus a margin that varies depending on the state in which property is located, individual credit qualifications, credit limit amount, combined loan to value ratio and other criteria. The maximum APR is 18.00% or the maximum permitted by law, whichever is less.

In AZ, your APR would be from 5.99% to 9.94%. If you have Auto Pay as described below, you may receive a 0.25% rate discount and your APR would be from 5.74% to 9.69%.

In FL, your APR would be from 5.45% to 9.94%. If you have Auto Pay as described below, you may receive a 0.25% rate discount and your APR would be from 5.20% to 9.69%.

In IL, your APR would be from 5.45% to 9.94%. If you have Auto Pay as described below, you may receive a 0.25% rate discount and your APR would be from 5.20% to 9.69%.

In IN, your APR would be from 5.45% to 9.94%. If you have Auto Pay as described below, you may receive a 0.25% rate discount and your APR would be from 5.20% to 9.69%.

In KS, your APR would be from 5.79% to 9.94%. If you have Auto Pay as described below, you may receive a 0.25% rate discount and your APR would be from 5.54% to 9.69%.

In MO, your APR would be from 5.79% to 9.94%. If you have Auto Pay as described below, you may receive a 0.25% rate discount and your APR would be from 5.54% to 9.69%.

In MN, your APR would be from 5.89% to 9.69%. If you have Auto Pay as described below, you may receive a 0.25% rate discount and your APR would be from 5.64% to 9.44%.

In WI, your APR would be from 5.45% to 9.94%. If you have Auto Pay as described below, you may receive a 0.25% rate discount and your APR would be from 5.20% to 9.69%.

Please contact a banker for current rate information.

To receive a 0.25% rate discount you must authorize BMO Harris Bank to withdraw your home equity line of credit payment each month from a BMO Harris eligible checking account: BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account, BMO Harris Select Checking®, BMO Harris Premier™ Account or BMO Harris Portfolio Checking®.

Closing Costs and Fee Information

BMO Harris will pay closing costs for loans secured by an owner-occupied 1 to 4 family residence in: AZ, FL, IL, IN, KS, MN, MO or WI. Closing costs include: appraisal charges, credit report, flood determination, title insurance and document recording fees. You will be charged a $75 annual fee on the opening date and each year after through the ninth anniversary of loan opening. You may also be required to pay real estate taxes and items such as prior lien release fees. If the property is located in FL or MN, you are responsible for mortgage and government taxes. If you close your account within 36 months, a closing cost recoupment fee may be charged to recover the closing costs we paid on your behalf.

Insurance Information

You must obtain property insurance and may be required to obtain flood insurance.