Paycheck Protection Program (PPP) Second Draw Loans: Click here to find out more details»
couple posing for camera

Personal Line of Credit

The JBT Personal Line of Credit offers more convenience and flexibility than a regular fixed-term loan. There is no collateral required, and you’ll enjoy ready access to borrowed funds for regular expenses, special large purchases, and even unexpected surprises. Then, as you repay your line of credit, you can borrow again (up to your agreement limit) without having to re-apply for credit every time.


  • Competitive variable interest rate
  • No annual fee
  • No collateral required
  • Line amounts from $1,000 to $15,000
  • No cash advance fee
  • No balance transfer fee

As a local community bank, JBT can offer added flexibility and creativity in structuring a personal line of credit to your needs. Our goal is to provide the highest level of service at competitive rates. You can apply online or connect with a JBT Loan Officer: