You know what you want out of life – we can help you make it happen.
Introductory 2.25% Annual Percentage Rate* Home Equity Line of Credit
These rates are not guaranteed and are subject to change without notice. This is not a credit decision or a commitment to lend.
A line of credit that helps you get to work.
If you need some extra cash, get the money you need with our quick approvals and our low introductory rate of 2.25% APR with automatic payment deduction from a Start EarningSM, Start BenefitingSM or Start RewardingSM Package account.
Quick approval process | Flexible – Funds available when you need them | Only pay interest on the funds you’ve used | Interest may be tax-deductible**
Apply Now See Rates
*The 6 month introductory period for the 2.25% Annual Percentage Rate (APR) is available on all new Home Equity Lines of Credit (HELOC) on applications received as part of the HELOC + Intro Rate product (HELOC +). Customers must have automatic payment deduction from a Start Earning℠, Start Benefiting℠ or Start Rewarding℠ Package account in order to receive the introductory rate. This promotion is for first time Beneficial HELOC customers only, existing or previous HELOC customers are not eligible for the offer. The 6 month introductory period for the HELOC + begins at line activation and will last 6 months from the line activation date. This is a limited time offer. Rates are effective as of June 15, 2017 and are subject to change without notice. This is a variable rate product. At the end of the 6 month promotional period the variable APR will be calculated using the Wall Street Journal Prime Rate plus 0.75% for lines $5,100 - $99,999 or Wall Street Journal Prime Rate minus 0.25% for lines of $100,000 or greater, when borrowers have a Start Earning, Start Benefiting or Start Rewarding Package account with automatic payment deduction. (For Package accounts, minimum daily balance requirements apply to waive monthly service charges.) Removal of automatic payment deduction or closure of Start Earning, Start Rewarding or Start Benefiting Package account will increase the rate by 0.50%. Higher rates may apply. As of December 14, 2017 the Wall Street Journal Prime Rate is 4.50%. The maximum APR is 18% after the promotional period ends. The minimum APR will be 3.00% after the promotional period ends. The HELOC + must be secured by a first or second position mortgage on a primary or secondary, owner occupied residential property. Investment, rental, or commercial properties do not qualify. Property insurance will be required. All loan products subject to credit approval. Beneficial always recommends you consult with your financial and tax advisors. See an associate for full details.
**Beneficial always recommends you consult with your financial and tax advisors.
All loan products subject to credit approval.
If you’re looking for a loan, you’re looking for possibilities.
Whether you're paying for college, improving your home or consolidating debt, Beneficial offers a variety of options to help you find the right loan. And, with local service and quick decision makers, we help you get the answers you need when you need them.
Interest may be tax deductible** | Amounts starting at $5,100 | Borrow up to 80% of the equity in your home
Determine your monthly payments with our Loan Payment Calculator
Smart banking is finding the right loan at the right terms. Whether you're looking for a new car or need a loan with flexible collateral alternatives, our competitive rates and quick approvals can help get you what you need.
Unsecured loans at
For questions, please call your local branch or our Customer Contact Center at 888.742.5272.
To apply for a Personal Loan, please visit your local branch.
*All loan products subject to credit approval.
These tools can help you get started.
Check out the most up-to-date rate information for mortgages, home equity, personal loans and credit lines.
Keep an eye on the current rates with our rate watch emails.
Sign Up for Rate Watch Emails
Get an idea of how much your monthly payments will be, how much you can get a mortgage for or whether refinancing is your best option with our handy calculators.
Beneficial always recommends you consult with your financial and tax advisors.
Even if you don’t have collateral, you can borrow from us and still get lower
rates than most credit cards.
Apply once for quick
Pay lower rates than
most credit cards
Write checks up to your
own credit limit
For questions, please call your local branch or our Contact Center at 888.742.5272.
To apply for an Unsecured Credit Line, please visit your local branch.
If you have questions, here’s a good place to start.
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1818 Beneficial Bank Place
1818 Market Street
Philadelphia, PA 19103
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Routing No: 236075689
SWIFT Code: BENFUS33
© 2017 Beneficial Bank
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© 2017 Beneficial Bank
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What this means for you – When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents.