Exhibit 10.99

                              REVOLVING CREDIT NOTE

                                                     EFFECTIVE AS OF
$25,000,000                                          APRIL 2, 2001 ("NOTE DATE")


       FOR  VALUE  RECEIVED,   the   undersigned,   E-LOAN,   INC.,  a  Delaware
corporation,  ("MAKER"),  hereby  unconditionally  promises  to pay on the first
anniversary  of the Note Date to the order of BANK ONE,  NA, a national  banking
association with its principal offices in Columbus,  Ohio ("LENDER"),  not later
than noon,  Eastern  Time,  at its office  located at 1111 Polaris  Parkway #3J,
Columbus,  Ohio 43240 or at such other place as may be designated by Lender from
time to time, in lawful money of the United States of America and in immediately
available funds,  the principal amount of the lesser of (i) TWENTY-FIVE  MILLION
AND NO/100 DOLLARS ($25,000,000), or (ii) the aggregate unpaid principal balance
of all Revolving Credit Loans (as defined in that certain Loan Agreement,  dated
as of even date herewith by and between Maker and Lender,  as amended,  modified
or supplemented  from time to time, the "LOAN  AGREEMENT") made by Lender to the
undersigned pursuant to the Loan Agreement,  together with any interest from the
date hereof until  maturity at the rates per annum provided  below.  Capitalized
terms not  otherwise  defined  herein shall have the  meanings  ascribed to such
terms in the Loan Agreement.

       1.     RATES OF INTEREST AND PAYMENTS.  Subject to the  provisions of the
Loan  Agreement,  Maker  agrees  to pay  interest  in like  money on the  unpaid
principal amount hereof from time to time outstanding from the date hereof until
the principal  balance  hereof is paid in full at a  fluctuating  rate per annum
equal to the  applicable  rate of interest  as set forth in the Loan  Agreement.
Principal  and  interest  payments on the unpaid  principal  balance and accrued
interest  due  hereunder  shall  be made  and  applied  in  accordance  with the
provisions of the Loan Agreement, particularly Sections 2.5, 2.6, 2.7, 2.8, 2.9,
2.11 and 2.12 of the Loan Agreement.  The provisions of Sections 2.6 and 8.16 of
the Loan Agreement shall control the computation of interest hereunder.

       2.     NOTICES.  All notices required or permitted  hereunder shall be in
writing,  and given in the manner,  and addressed to the Maker and Lender at the
addresses  set forth in,  Section  8.1 of the Loan  Agreement,  or at such other
address as such party may from time to time  designate by written  notice to the
others.

       3.     LOAN AGREEMENT.  This is the Revolving  Credit Note referred to in
the Loan  Agreement,  and the  holder  hereof is  entitled  to all the  benefits
provided therein and in the other Loan Documents.  Reference is made to the Loan
Agreement  and the other Loan  Documents  which,  among  other  things,  contain
provisions  regarding  optional and mandatory  prepayment  and  acceleration  of
maturity upon certain Events of Default described therein. This Revolving Credit
Note is secured by the Security Documents.

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<PAGE>
                                                                   Exhibit 10.99


       4.     WAIVERS.  EXCEPT AS OTHERWISE  EXPRESSLY  PROVIDED FOR IN THE LOAN
AGREEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW, THE MAKER, SIGNERS, SURETIES,
GUARANTORS,  ENDORSERS  AND OTHER PARTIES EVER LIABLE FOR PAYMENT OF ANY SUMS OF
MONEY  PAYABLE  ON THIS  REVOLVING  CREDIT  NOTE  JOINTLY  AND  SEVERALLY  WAIVE
VALUATION AND  APPRAISAL,  DEMAND,  PRESENTMENT,  NOTICE OF DISHONOR,  NOTICE OF
INTENT TO DEMAND OR  ACCELERATE  PAYMENT  HEREOF,  NOTICE OF  DEMAND,  NOTICE OF
ACCELERATION,  DILIGENCE IN COLLECTING, GRACE, NOTICE, AND PROTEST, AND AGREE TO
ONE OR MORE  RENEWALS OR EXTENSIONS  FOR ANY PERIOD OR PERIODS OF TIME,  PARTIAL
PAYMENTS,  AND RELEASES OR SUBSTITUTIONS OF SECURITY,  IN WHOLE OR IN PART, WITH
OR WITHOUT NOTICE,  BEFORE OR AFTER MATURITY.  NO WAIVER BY LENDER OF ANY OF ITS
RIGHTS OR REMEDIES HEREUNDER OR UNDER ANY OTHER DOCUMENT  EVIDENCING OR SECURING
THIS  REVOLVING  CREDIT NOTE OR  OTHERWISE  SHALL BE  CONSIDERED A WAIVER OF ANY
OTHER SUBSEQUENT RIGHT OR REMEDY OF LENDER; NO DELAY OR OMISSION IN THE EXERCISE
OR  ENFORCEMENT BY LENDER OF ANY RIGHTS OR REMEDIES SHALL EVER BE CONSTRUED AS A
WAIVER OF ANY RIGHT OR REMEDY OF LENDER;  AND NO EXERCISE OR  ENFORCEMENT OF ANY
SUCH  RIGHTS OR  REMEDIES  SHALL EVER BE HELD TO EXHAUST  ANY RIGHT OR REMEDY OF
LENDER.

       5.     LEGAL FEES.  If this  Revolving  Credit Note shall be collected by
legal  proceedings or through a probate or bankruptcy  court, or shall be placed
in the  hands of an  attorney  for  collection  after an  Event  of  Default  or
maturity,   the  undersigned  agrees  to  indemnify  Lender  for  all  costs  of
collection,  including, but not limited to court costs and reasonable attorneys'
fees.

       6.     ACCELERATION.  Upon the occurrence of one or more of the Events of
Default specified in the Loan Agreement,  the holder thereof may, at its option,
declare the entire  unpaid  balance of  principal  and accrued  interest on this
Revolving  Credit Note to be immediately due and payable,  without notice of any
kind.

       7.     AGREEMENT  WITH RESPECT TO PREVENTION  AND RESOLUTION OF DISPUTES.
THIS  REVOLVING  CREDIT NOTE SHALL BE GOVERNED  BY, AND SHALL BE  CONSTRUED  AND
ENFORCED IN ACCORDANCE  WITH A CERTAIN  AGREEMENT WITH RESPECT TO PREVENTION AND
ENFORCEMENT  OF  DISPUTES  ("DISPUTE  RESOLUTION  AGREEMENT"),   THE  TERMS  AND
PROVISIONS OF WHICH ARE INCORPORATED HEREIN. AMONG OTHER PROVISIONS, THE DISPUTE
RESOLUTION   AGREEMENT  PROVIDES  FOR  WAIVER  OF  JURY  BY  LENDER  AND  MAKER,
JURISDICTION  AND  VENUE  IN  FRANKLIN   COUNTY,   OHIO,  AND  CONSTRUCTION  AND
INTERPRETATION UNDER THE LAWS OF THE STATE OF OHIO.

       9.     NOTICE OF FINAL  AGREEMENT.  THIS  AGREEMENT  REPRESENTS THE FINAL
AGREEMENT  BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR,
CONTEMPORANEOUS  OR  SUBSEQUENT  ORAL  AGREEMENTS  OF THE PARTIES.  THERE ARE NO
UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

       10.    MISCELLANEOUS.  Maker and the Lender  intend  that this  Revolving
Credit  Note  shall be in  compliance  with  all  applicable  laws and  shall be
enforceable  in accordance  with its terms.  If any provision of this  Revolving
Credit Note shall be illegal

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                                                                   Exhibit 10.99


or  unenforceable,  such provision shall be deemed cancelled to the same extent,
as though it never had appeared herein,  but the remaining  provisions shall not
be affected  thereby.  In the event that the interest  rate provided for in this
Revolving  Credit Note shall be deemed to be usurious under applicable law, then
such interest rate shall be deemed  modified to the highest rate permitted under
such applicable usury law and all payments theretofore made shall be credited as
though such rate had been the rate originally provided for herein.

       Any and  all  references  in  this  Revolving  Credit  Note to any  other
document or documents shall be references to such other document or documents as
the same may from time to time be modified,  amended,  renewed,  consolidated or
extended.

       The term "Maker" as used herein  shall  include the  undersigned  and its
successors and assigns; provided that this paragraph shall not be deemed to be a
consent or approval by the Lender of any transfer or assignment by Maker.

       This  Revolving  Credit  Note,  is executed as of the date and year first
above written.

                                     MAKER:

                                     E-LOAN, INC.


                                     /s/ MATT ROBERTS
                                     -------------------------------------------
                                     By:      MATT ROBERTS
                                        ----------------------------------------
                                     Its:     CFO
                                         ---------------------------------------


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