Limited-time offer
$300 BMO Harris Bank MasterCard® Gift Card2 when you apply between now and April 30, 2015, and borrow $20,000 or more from your home equity line of credit, within 10 business days of opening the account.
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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.

Learn More
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.

Learn More

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.

Learn More

Lending Calculators/ Quick Links

  1. The BMO Harris Bank Equity Access Card may not be available in all states.
  2. Only one BMO Harris Bank MasterCard® Gift Card per line of credit. To receive the gift card, you must apply by April 30, 2015 and borrow $20,000 or more within 10 business days of account opening, and at least $20,000 must remain outstanding for 90 days of account opening. No cash equivalent or other substitution is permitted. This offer is non-transferable and cannot be combined with any other offer. Please allow 120 days from account opening for delivery.
    Fees: Card purchase fee: $4,* Card inactivity fee: $3 ** Check issuance fee: $10 *** Funds loaded onto this gift card will not expire with the card. Your card will expire on the last day of the month shown on the front of your card. Cards will not be issued with an expiration date of less than five and a half (5½) years. To obtain your available balance after your card expires, call 1-800-650-0843.
    * The card purchase fee is waived for this gift card offer.
    **A $3 inactivity fee will be assessed to this card each month after any 12-month period of inactivity and only when card remains inactive.
    *** To the extent allowed by applicable law, we will charge a check issuance fee to your card for issuing a check to you for the remaining balance on your card if, at your request, your card is closed prior to its expiration date; provided however, that no such check issuance fee shall apply if we are able to transfer the remaining balance on your card to your BMO Harris deposit account.
    MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Gift cards are not FDIC insured.