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?? BMO Personal Line of Credit Review: Flexible Access to Funds with Competitive RatesNeed to build your credit? With BMO's credit builder loan program, you can improve your credit with every low on-time payment you make. Enter information for all existing installment loans that you intend to consolidate into one loan or line of credit. You can borrow between $1, to $5, if you're approved for BMO 's Credit Builder loan. Since this is placed in a Certificate of Deposit, the funds will only.