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ReadyLine of Credit

The Commerce Bank ReadyLine of Credit is a great source of funds for just about any need. Use it to make a special purchase, buy a car, camper or trailer or just to improve your cash flow.

  • Speedy access to funds when unexpected expenses hit
  • Provides a source of reusable funds
  • No collateral necessary
  • As payments are made, the amount available on your credit line increases, up to your credit limit
  • No account opening, transaction or cash advance fees
  • 10.74%-20.74% Annual Percentage Rate (APR), variable1 View Important Disclosure
  • Estimate Your Payment
  • ReadyLine of Credit FAQs

With the ReadyLine of Credit, the size of each cash advance determines the manner in which it is repaid.

  • Each cash advance of $2,000 or greater has equal monthly payments calculated over 48 months, making it easier to budget each month2 (not available on lines of less than $2,000).
  • Each cash advance of less than $2,000 is part of a revolving balance with a monthly minimum payment, similar to a credit card.
  • Unsecured revolving line of credit
  • Installment payment feature on advances $2,000 or greater
  • Flexibility for future cash advances
Credit Limits
  • $500 to $15,000
APR & Payment
Installment & Revolving Cash
  • Each cash advance of $2,000 or greater has equal monthly installment payments calculated over 48 months2
  • Each cash advance of less than $2,000 is part of a revolving balance with a minimum monthly payment, similar to a credit card
  • See how it works.
Access to Funds
  • No account opening fees
  • No transaction fees
  • No cash advance fees
  • Late payment and returned payment fees do apply
Options for Making Payments
Learn More


  1. Based on your creditworthiness when you open your account. After that, your APR will vary with the market based on the Prime Rate. The Prime Rate used to determine the APR on your account is the U.S. Prime Rate published in The Wall Street Journal in its column called "Money Rates" on the last business day of each month. As of 5/29/2017, the APR can range from 10.74%-20.74%. There is no ceiling on the applicable APR.
  2. Not available on lines of less than $2,000. Any Cash Advance of $2,000 or more (an "Installment Draw") has a required minimum monthly payment ("Minimum Installment Draw Payment"). The Minimum Installment Draw Payment is calculated over 48 months at the interest rate in effect at the time of the Installment Draw.

    The Minimum Installment Draw Payment remains the same for the first 47 months. The applicable periodic interest rate is a variable rate. Your final payment may vary and will be for all outstanding principal and all accrued interest not yet paid.

    Cash Advances of less than $2,000 do not have a required installment repayment amount calculated over a term of 48 months. These cash advances are part of a Revolving Balance, which is repaid in accordance with monthly minimum payment requirements described in the ReadyLine of Credit Agreement.
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