If you are planning a wedding, upgrading your kitchen, or paying medical bills, you may not know the total amount of money you will need to pay for these items. Borrow too much and you’ll be paying back unnecessary interest. Borrow too little and you’ll have to keep applying for loans. A personal line of credit will allow you to borrow the right amount of money, at the right time, for your needs.

Credit line rates may vary on a monthly basis and there are no time period restrictions on when you can access the funds.


  • Monthly variable rate
  • Minimum advance of $100
  • Minimum loan amount is $2,500 - up to $40,000 depending on income and credit score

For a timely response you must direct all billing inquiries and requests for information on your loan to:  ESSA Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.


All loans are subject to credit approval.