Online Line of Credit

A personal line of credit may also be referred to as an online credit line or a revolving line of credit. It is a flexible type of online payday loan that gives you access to funds with a fixed credit limit. At Net Pay Advance, we offer an instant line of credit no credit check barriers. With our no-credit-needed system, this is a viable solution for people in need of an online line of credit for bad credit, good credit, or no credit. With our personal line of credit loan online, you’re able to borrow funds and repay them over a period of time.

You should use credit line loans when you need a higher loan amount, or credit limit, with a less strict repayment timeline. A credit line cash advance like this is designed for meeting unexpected and emergency expenses.

Want more information? Read our guide Line of Credit 101.

An easy line of credit will consist of a few things: a simple application, fast approval, convenient repayment methods, and an excellent customer support team. At Net Pay Advance, you can get an easy line of credit with all of these features. Our line of credit application is fast! With our fast application and instant decision, customers will get line of credit instant approval or denial. There’s no waiting around. That speed may make a line of credit easier to get than some traditional loans. Don’t just take our word for it: read over 8,000 5-star reviews that agree Net Pay Advance makes the borrowing process easy and convenient. Have more questions? Check out our video Understanding Line of Credit.

The maximum credit limit for our easy line of credit depends on state regulations. At Net Pay Advance, our maximum line of credit is $3,000. That makes our line of credit an option for emergency and unexpected expenses that cost a hundred dollars, or even a few thousand.

At Net Pay Advance, there is no credit score minimum needed for a line of credit online. We believe people deserve access to financial solutions regardless of credit score. Interestingly, a “no credit check line of credit” doesn’t truly exist. To confirm a customer’s identity, legitimate lenders run a soft credit check that doesn’t impact credit score. The good news though is that you can find an instant line of credit for bad credit, good credit, and no credit here. At Net Pay Advance, we know our customers are more than a credit score.

When approved for a line of credit online loan with Net Pay Advance, you will have access to funds immediately when needed. You will be able to draw funds as necessary and then repay the balance over time. Having a valid debit card on file can provide you with access to instant deposit.*

To make a draw from your line of credit, go to your account, and select “Request a Draw.” Determine how much you want to draw, and click “Confirm.” Funds will be deposited into your account. It’s that simple!

Check out our graphic on how to make a draw: How to request a draw

We have created several resources to help you understand your billing statements and available credit. Check out our line of credit billing statement guide and the resource on available credit for more information.

Splitting up your payments can help manage your finances more effectively. For detailed instructions on how to do this, check out our guide on how to split up a payment.

Find definitions for line of credit and other personal finance terms all in one place. Visit our glossary of terms for detailed explanations.