Line of Credit
How It Works
Apply Now In 3 Easy Steps For a Line of Credit Loan Online. Get The Fast Cash Loan You Need To Draw on When You Need It.
Step 1
Fill out the fast & easy line of credit loan application
Step 2
Receive an instant loan decision within seconds
Step 3
Get approved and funds available by next business day.
What is a Line of Credit?
A line of credit is a simple a maximum amount a lender gives a borrower to draw on at any time up to their maximum amount they were approved for.
The borrower draws on an amount then pays it back plus interest. When it’s paid back the borrower can draw on it again. It is not like 1 hour payday loans where the balance is due on your next payday.
How Do I Apply for a Line of Credit?
Just click on the apply now button and then fill out the line of credit loan application. Next click the submit button.
If you are approved and you agree to the rate and terms then cash can be in your bank account as soon as the next business day or sooner.
There is no obligation so if you change your mind simply do not sign and close out the window.
Line of Credit Loans for Bad Credit
If you have bad credit or no credit you still can apply. Our lenders do not do traditional credit checks so it makes it easier to get approved for a line of credit.
Why Do I Need a Line of Credit?
Most people use a line of credit so they can have immediate access to extra cash when they need it. Some use it for car repairs, home renonvations, or to take a vacation.
Requirements and Qualifications for a Line of Credit
In order to apply for a line of credit loan through EasyFinanceLending.com you have to meet the minimum requirements.
- You must be at least 18 years
- United States citizen or legal resident.
- Verifiable source of monthly income
- Working email address
- Verifiable home and work telephone numbers.
Your state residence will determine the minimum age and if you are able to apply for a line of credit.
100 % Online
No Hard Credt Checks
Instant Decision
Funds By Direct Deposit
Personal Lines of Credit
Do not let credit card debt sink you or let other monthly bills take control. Apply now for personal lines of credit to consolidate or pay off credit card debt and other monthly expenses. You can even apply by phone or any mobile device using our mobile loans feature.
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Material Disclosure
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.
Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.
Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.