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Schwab Bank's Pledged Asset Line®

Discover a smarter way to borrow.

Leverage the value of your portfolio with a line of credit that allows you to borrow against your non-retirement assets—without having to liquidate your investments.

Call 888-725-3630 to speak with a Regional Banking Manager about a Pledged Asset Line or log in to get started.

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What is a Pledged Asset Line?

A Pledged Asset Line from Charles Schwab Bank, SSB ("Schwab Bank") is a line of credit that allows you to borrow against the non-retirement assets in your portfolio—without having to liquidate your investments.

Secured by assets held in a separate Pledged Account maintained by Charles Schwab & Co., Inc. ("Schwab Brokerage"), you can use your line of credit to access the funds you need while helping maintain your investing strategy.

How can I use a Pledged Asset Line?

This line of credit can be used for a wide range of financial needs:

  • Bridge funding for a new home
  • Home renovation
  • New business startup
  • Tax payments
  • College tuition
  • Dream vacation

Why consider a Pledged Asset Line from Schwab Bank?

Save time and effort with a streamlined digital application process. 

Avoid possible tax consequences.

Access competitive rates and exclusive discounts.1 

Important details: Entering into a Pledged Asset Line and pledging securities as collateral involve a high degree of risk. Before you decide to apply for a Pledged Asset Line, make sure you understand the risks. For more information about risks, please read Risks Associated with a Pledged Asset Line and Pledging Securities as Loan Collateral.

Find out if a specific security is eligible for your Pledged Asset Line.

Use our Advance Rate Lookup tool to see if a particular security symbol may be eligible to be used as collateral for your Pledged Asset Line. You can enter up to 10 security symbols in a single search.

Additional information about Pledged Asset Lines

Only individual, joint, and trust accounts can be pledged through the online application. For all other application types, speak with a Regional Banking Manager at 888-725-3630 or talk to your Schwab Financial Professional.

Considering a line of credit?

Start a conversation.

Complete the form below and a Schwab Financial Professional will contact you.