Invest Cash Borrow Blog LOG IN GET STARTED PORTFOLIO LINE OF CREDIT You’re a smart investor. Be rewarded for it. Your long-term investments build towards security for your future, but they can also give you near-term financial flexibility. Access cash quickly, easily, and at a low rate with Portfolio Line of Credit while staying focused on your long-term goals. Instant cash. Long-term thinking. Start a 529 college savings plan for your children. Invest in your friend’s new business venture. Open a new account focused on socially responsible investments. Cover your tax bill, a down payment, or an upcoming tuition payment. Your portfolio makes it possible. Secured by your investments, Portfolio Line of Credit is the fast and convenient way to access cash. With just a few taps on your phone, you can get access to money quickly to invest in even more ways. Bridge a gap when you need access to funds now, but the income you’re counting on is coming later. Do it all without selling off your portfolio and disrupting your investment strategy. No application process, no credit check. If you have a Wealthfront individual, trust, or joint investment account of $25,000 or more, you automatically have a line of credit available. There’s no credit check or impact to your credit score. Money in your pocket quickly. It takes just 30 seconds to request cash straight from your phone, and you could get it as quickly as 1 business day. The interest 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 2.40% - 3.65%. Using a line of credit is generally cheaper than carrying a balance on a credit card or taking out a personal loan. Get details You enjoy complete flexibility. Borrow up to 30% of your account whenever you need it, for whatever you need. Pay back what you borrow and the interest payment on your own schedule. 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 fast and easy 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 Advisers LLC by Wealthfront Brokerage LLC. You can learn more about Wealthfront Brokerage LLC on FINRA’s BrokerCheck. Careers Legal Methodology Help Center Blog Planning Retirement Homeownership College Back to top Investment advisory services are offered by Wealthfront Advisers LLC (“Wealthfront Advisers”, the successor investment adviser to Wealthfront Inc.), an SEC-registered investment adviser and a wholly owned subsidiary of Wealthfront Corporation (formerly known as Wealthfront Inc.). Brokerage products and services are offered by Wealthfront Brokerage LLC (formerly known as Wealthfront Brokerage Corporation), member FINRA / SIPC, and a wholly-owned subsidiary of Wealthfront Corporation. Please see our Full Disclosure for important details. By using this website, you understand the information being presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. Wealthfront Advisers and its affiliates rely on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, Wealthfront Advisers and its affiliates do not provide tax advice and investors are encouraged to consult with their personal tax advisors. Wealthfront Software LLC (“Wealthfront”) provides a financial planning service tool designed to aid Wealthfront Advisers’ clients in preparing for their financial futures by allowing them to personalize their assumptions for their financial planning goals. Wealthfront is a wholly owned subsidiary of Wealthfront Corporation, and an affiliate of Wealthfront Advisers. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Margin lending can add to these risks, and investors should carefully review those risks as part of their overall financial strategy. Diversification strategies do not guarantee a profit or protect against loss in declining markets. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes, and may not reflect actual future performance. PLOC eligibility is subject to a minimum account balance which is subject to change. © 2021 Wealthfront Corporation. All rights reserved.