ReadyLine Personal Loans

Flexible funding, ready when you need it.

Life doesn’t wait, and neither should your finances. With ReadyLine from First Bankers Trust, you get a personal line of credit that’s linked directly to your checking account—so funds are available whenever you need them.

How It Works

Once approved, you can access your ReadyLine simply by writing a check. If your purchase exceeds your account balance, we’ll automatically cover the difference—up to your credit limit—in $100 increments. No extra steps, no special checks, no waiting.

Why Choose ReadyLine?

✅ Instant Access – Borrow anytime, just by writing a check

✅ Overdraft Protection – Avoid declined transactions and fees

✅ No Reapplications – One approval gives you ongoing access

✅ Automatic Payments – Monthly payments are debited from your account

✅ No Prepayment Penalties – Pay off your balance anytime

Transparent Terms

APR: 17.9% (charged only on your daily balance when in use)
Minimum Monthly Payment: 1/20th of your balance or $25—whichever is greater
Revolving Credit: As you repay, your full credit line is restored

Get Started Today

Enjoy the convenience and peace of mind that comes with ReadyLine. Just fill out the application below. Your financial flexibility is just a few steps away.

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