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Access NOW™

When you need your money quickly.

Sometimes life comes at you fast. Now your funds can too.

Your Home Equity Line of Credit is approved, but you can’t wait weeks to get the funds. You need money sooner rather than later – we can help with that.

Your HVAC needs to be replaced…right away. Your children’s tuition is due sooner than you had planned for. We get it – life is unpredictable. Sometimes you need a little financial flexibility when an immediate need comes up for funds.

A Home Equity Line of Credit (HELOC) is a great solution for these kinds of expenses. But after your application is approved, it might take a while before you actually see any cash. What if you need your money right now? Atlantic Union Bank has a solution: The Access NOW* loan.

Access NOW* is a way to put some money in your pocket while you wait for your Home Equity Line of Credit to close.

The Access NOW* loan allows you to borrow a portion of your approved credit limit right away and is paid off when you get your HELOC funds. It’s that simple.

  • Borrow up to 50% of your approved HELOC credit limit or $50,000, whichever is less
  • Balance plus interest paid off when HELOC closes
  • Low rate with no processing fees or prepayment penalty
Not sure how much of your home equity you may qualify for? Use our Home Equity Calculator to find out. 

*Access NOW is an unsecured, short-term loan that is available for eligible customers that have been credit approved for a HELOC application and have a minimum score of 700. The maximum term is 90 days and the maximum loan amount is equal to 50% of the approved HELOC line amount or $50,000, whichever is lower. Subject to standard credit criteria.

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