A signature or line-of-credit loan are the loan products to use when you don't have collateral tied to your loan. A signature loan can be used for the purchase of a computer or other items. Or, we can set-up a line-of-credit for you to draw from when you need a little extra cash. A line-of-credit can also be used for overdraft protection when you don't have enough money in your checking to cover an overdrawn check. The terms for these loans are based on the amount loaned and the rate will depend on your credit score.