Citizens FastLine^® – A faster, smarter, and better way to finance your next project

A faster and smarter way to finance your next project

Citizens FastLine® makes getting a home equity line of credit simple—its streamlined digital experience allows you to apply in just minutes and close in as few as 7 days. This truly modern borrowing experience allows customers to easily tap into their home equity and have the cash to pay for what matters most in as little as 2 weeks.

Borrow at the speed of life - get your personalized offer in 2-3 minutes

Leveraging the power of technology, Citizens FastLine gathers application data in real-time such as income and property information to create your personalized offer in 2-3 minutes. This significantly reduces the number of documents required and, once accepted, allows customers to close in as few as 7 days. No hassles or hoops, and no home appraisal in most cases.

Apply where you feel most comfortable, on your mobile device*, at home, or by walking into a branch. To ensure your loan is processed efficiently, a dedicated call center staffed by experienced bankers is available to assist with any questions you may have. Additionally, your application will be assigned to a dedicated loan processor who will be available should you need support, and to help ensure a seamless closing process.

A better way to borrow - flexibility and lower interest rates

A home equity line of credit (HELOC) with Citizens offers you the flexibility to borrow what you need when you need it. Where some lenders require borrowers to receive their funds as a lump sum, a Citizens HELOC is a revolving line of credit that allows you to draw funds whenever you need and only pay interest on what you use.

With interest rates lower than a credit card or a personal loan, a HELOC can help you fund important things in a more cost efficient way. Whether you're planning to fund a renovation, cover education costs, or consolidate high interest credit cards, a HELOC allows you to utilize the equity you have built-up in your home.

The Citizens FastLine® application experience provides a high-level of confidence as to how much you may qualify for, and the speed at which you can expect to close. With a traditional quote, you may still need to visit a branch, or speak with a representative over the phone to provide required information or even documentation—adding time to the process. Citizens FastLine® delivers a personalized offer so you can start planning your next steps faster and with more confidence.

"Citizens handled the heavy lifting to make applying a very smooth and painless process. FastLine is the future of closing. This is the way banking should be."– FastLine Customer

A modern way to fund big goals

Make the most of your home equity. Your equity can be used for many purposes:

• Home improvements – The #1 use of home equity is to make home improvements.
• Consolidate high-interest debt – Some types of debt can help you achieve your goals, but high-interest debt can also derail them. When you're looking for ways to consolidate debt like auto, personal and business loans, consider using the equity in your home.
• Education – A HELOC can help cover the cost of Private School, College, or an Advanced Degree.
• Create steady cash flow – Whether you are looking to create an emergency fund, or you are changing careers and want to make sure you have the money to cover your expenses, the equity in your home can help create a steady, reliable cash flow.