Borrow with ease

You're a smart investor. Be rewarded for it.

Your long-term investments provide security for your future, but they can also give you financial flexibility now.

Portfolio Line of Credit lets you access cash quickly, while staying focused on your long-term goals.

Sometimes you just want to say yes.

  • Make a down payment on a house you dream of calling home.
  • Invest in your friend's new small business venture.
  • Move forward with that ambitious home renovation project.
  • Plan your wedding, from the food to the perfect venue.

No application,
no fee, no credit check.

If you have a Wealthfront individual, trust, or joint investment account of $100,000 or more, you have a line of credit. It takes 30 seconds to request cash and you get it as quickly as 1 business day – you can even do it from your mobile phone. There aren’t any fees; just pay interest on the amount you borrow.

The rates are low.

Because your line of credit is secured by your diversified investment portfolio, we can keep the rates low for you. Depending on account size, current rates are 3.50% - 4.75%.
Get details

You enjoy complete flexibility.

Borrow up to 30% of your account whenever you need it, for whatever you need. Then repay on your own schedule.

It's smarter than the alternatives.

You could sell some of your investments to get cash. But if you’ve had significant gains in your portfolio, selling a portion of it could result in paying a significant amount of taxes.

If you’re a homeowner you could get a Home Equity Line of Credit (HELOC), which may have a tax benefit. But that means an application process and waiting for approval, which isn’t always guaranteed.
Learn more about HELOC

A few things to keep in mind:

Portfolio Line of Credit gives you a lot of flexibility, but there are some risks to consider when taking out a loan.

Interest Rate Risk

The interest rate you pay on your loan changes as US interest rates move.

Margin Risk

When you take out a loan your investments serve as collateral. If the value of your investments falls significantly, you may have to repay some of the loan.

Liquidation Risk

If the value of your investments falls below the threshold, we may need to sell some of your investments to cover the loan.

We work to mitigate your risks.

When you take out a loan, movements in the value of your investments can affect your situation. That’s why we designed Portfolio Line of Credit to have buffers in place. We limit the amount you can take out to 30% of the account value.

Read more in our Margin Handbook

It's the convenient way to borrow.

Get more financial flexibility with your investments.

Get started

Portfolio Line of Credit is a margin lending product offered only to clients of Wealthfront, Inc. by Wealthfront Brokerage Corporation.

You can learn more about Wealthfront Brokerage Corporation on FINRA's BrokerCheck.