# Cash Value Line of Credit > Access life insurance cash value for personal loans and lines of credit. (iPhone/iPad app by Valley National Bank.) - Source: https://appshunter.io/ios/app/cash-value-line-of-credit/id1624138549 (this page in markdown: same URL + `.md`) - Developer: [Valley National Bank](https://appshunter.io/developer/808338459) - Category: Finance, Business - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.0 · 101 MB - Languages: American English - Released: 2022-05-14 - Data updated: 2026-07-19 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/cash-value-line-of-credit/id1624138549/reviews.md ## What is Cash Value Line of Credit? Valley Cash Value Line of Credit:Business opportunities? Home renovations? Vacation plans? The cash value in your whole life insurance policy can help you access the money you need. Key Features: • Lines ranging from $65,000 to $5,000,000 • Easy access to funds via personal checks or online transfers • No application fee, closing costs or pre-payment penalty. *Florida applicants may be subject to a document stamp tax. • Competitive, variable interest rate • Interest may be tax deductible (consult with your tax adviser) • Multiple policies can be used as collateral for one line of credit Contact your Valley Cash Value Business Development Officer for a customized solution tailored to your specific financial situation, needs, goals and any questions you have about your loan and the loan approval process. Eligible life insurance policies must be at least one year old and issued by a Valley-approved mutual insurance company. All policy owners must execute the policy assignment and other loan documents. Borrowers must be individual person(s) or trusts, not corporations or pensions. *Florida applicants may be subject to the Florida Documentary Stamp Tax Fee ## Key features - Lines from $65,000 to $5,000,000 - Access funds via checks or online transfers - No application fee or closing costs - Competitive, variable interest rate - Interest may be tax deductible - Use multiple policies as collateral ## Frequently asked questions about Cash Value Line of Credit ### What is Cash Value Line of Credit? Cash Value Line of Credit allows you to borrow against the accumulated cash value of your whole life insurance policy. It provides flexible access to funds for various personal or business needs. ### What are the minimum and maximum line amounts for Cash Value Line of Credit? The lines of credit offered range from $65,000 up to $5,000,000, providing options for both smaller and larger financial needs. ### Are there any fees associated with opening a Cash Value Line of Credit? No, there is no application fee, closing costs, or pre-payment penalty. However, Florida applicants may be subject to a document stamp tax. ### How can I access funds from my Cash Value Line of Credit? You can easily access your funds through personal checks or convenient online transfers, offering flexibility in how you receive your money. ### Can I use multiple life insurance policies as collateral for Cash Value Line of Credit? Yes, the service allows for multiple eligible life insurance policies to be used as collateral for a single line of credit, potentially increasing borrowing capacity. ### What are the eligibility requirements for the life insurance policies? Eligible life insurance policies must be at least one year old and issued by a Valley-approved mutual insurance company. All policy owners must execute the necessary loan documents. ### Is the interest rate for Cash Value Line of Credit fixed or variable? The application offers a competitive, variable interest rate. It's advisable to consult with a financial advisor to understand the implications of a variable rate. ### Does Cash Value Line of Credit have ads? No, this application does not contain advertisements, providing a clean and uninterrupted user experience. ## Version history (last 5 releases) ### 26.7.000 — 2026-07-16 Bug fixes and performance improvements. ### 26.2.004 — 2026-02-27 Bug fixes and performance improvements. ### 25.12.002 — 2025-12-22 Bug fixes and performance improvements. ### 25.10.001 — 2025-10-18 Bug fixes and performance improvements. ### 25.9.002 — 2025-09-27 Bug fixes and performance improvements. ## Apps similar to Cash Value Line of Credit | App | Rating | Price | Category | | --- | --- | --- | --- | | [Greatweek.com](https://appshunter.io/ios/app/greatweekcom/id1662945960) | 5.0 (1) | Free | Finance | | [Savita](https://appshunter.io/ios/app/savita/id1664110660) | 4.0 (32) | Free | Finance | | [Infoexperto](https://appshunter.io/ios/app/infoexperto/id1663240840) | — | Free | Finance | | [Lendtek: Small Business Loans](https://appshunter.io/ios/app/lendtek-small-business-loans/id1457372938) | 4.9 (235) | Free | Finance | | [Americash Loans](https://appshunter.io/ios/app/americash-loans/id1529566327) | 2.9 (8) | Free | Finance | | [Parali](https://appshunter.io/ios/app/parali/id6443763240) | — | Free | Finance | ## More apps by Valley National Bank - [Valley Mobile](https://appshunter.io/ios/app/valley-mobile/id808338456) - [Valley One](https://appshunter.io/ios/app/valley-one/id1108078655) - [Valley Mortgage](https://appshunter.io/ios/app/valley-mortgage/id1561394487) - [Valley Wealth & Trust](https://appshunter.io/ios/app/valley-wealth-and-trust/id6480123407) All apps by Valley National Bank: https://appshunter.io/developer/808338459 ## Related topics [cash value line of credit](https://appshunter.io/ios/topics/cash-value-line-of-credit) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-19.*