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Access funds with ease using a line of credit (LOC)

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Access funds with ease using a line of credit (LOC)

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Fidelity Viewpoints^®

Timely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ...

Decode Crypto Clarity on crypto every month. Build your knowledge with education for all levels.

Fidelity Smart Money^℠

What the news means for your money, plus tips to help you spend, save, and invest.

Active Investor Our most advanced investment insights, strategies, and tools.

Insights from Fidelity Wealth Management ^℠

Timely news, events, and wealth strategies from top Fidelity thought leaders.

Women Talk Money Real talk and helpful tips about money, investing, and careers.

Educational Webinars and Events Free financial education from Fidelity and other leading industry professionals.

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Planning for college

Non-margin loans are made by third-party lenders (the "Bank(s)"). Fidelity has a minority percentage, non-controlling ownership interest in Leader Bank; however, Fidelity does not recommend any of the Banks. There are many lenders in the marketplace – you should carefully and independently evaluate all your options and choose the one that's right for you.

Customers may choose to use a third-party lender of their choice to collateralize their accounts and may receive different services or pricing. Please note that the solutions as described herein refer to the Lending Solutions Line of Credit program which uses the third-party lenders with whom Fidelity has specific contractual agreements.

The Bank(s) are solely responsible for any information about the lending product offered, including any discussions about the loan product or any estimate or loans terms provided to you.

If you take out a line of credit with the Bank(s), the collateral securing your loan will be held in your account(s) subject to the terms of the Control Agreement between you, Fidelity, and the Bank(s). Loan proceeds cannot be deposited into a Fidelity account and cannot be used to purchase securities.

Fidelity is compensated by the Bank(s) in the Lending Solutions program for promoting the availability of their line of credit product, assisting with the loan application process, and providing ongoing support during the life of the loan. Fidelity's compensation will generally be equivalent to a percentage of any average outstanding loan balance. Fidelity associates will be compensated upon the loan being drawn down.

Interest rates for a line of credit offered by the Bank(s) in Fidelity's Lending Solutions program are offered in a tiered structure and will vary based on the amount of the loan commitment. The interest rate you will pay on your line of credit may be higher than the rate you would pay if you dealt directly with the Bank(s) and may be higher than the rate you would pay if you obtained a similar loan from another bank. Please note that not all banks in the program offer these line of credit products directly to the public.

Fidelity Investments is a registered service mark of FMR LLC. Brokerage services are offered through Fidelity Brokerage Services LLC, Members NYSE, SIPC.

Votes are submitted voluntarily by individuals and reflect their own opinion of the article's helpfulness. A percentage value for helpfulness will display once a sufficient number of votes have been submitted.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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