Ready for any-time financing, but don't want to deal with credit card fees? A personal line of credit from Hawaii Pacific Federal is the answer! Like a credit card, the funds are approved ahead of time, for whenever you need them. If you don't need the funds right away, no problem. You only pay interest on what you use, when you use it. As you pay off your line, more credit becomes available. Best of all, you'll secure competitive rates that won't bust your budget.