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Apply once to open your Line of Credit
200,000+ reviews on Google
Ongoing access
Once opened, it stays open. No need to reapply.
Extra money in your pocket
Feel good knowing you can tap into funds instantly.
Only pay for what you use
Take what fits your budget.
Grows with you
Your available credit can increase over time.
How a Line of Credit works
It’s flexible. It’s reusable. You’re in control.
Get instant access to approved funds*
Tap in anytime funds are available
*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next business day.
What you need to apply for a Line of Credit
- Government-issued ID
- Proof of income
- Checking account
- Social Security Number or ITIN
Why choose a Line of Credit?
One-time application |
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Instant access to cash |
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Only pay for what you use |
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Payments line up with payday |
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No penalty for early payoff |
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No collateral needed |
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Same-day funding |
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Trusted by millions of customers
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200,000+ reviews on Google
Rated 4.9/5 based on 115,467 reviews
Smart ways to use a Line of Credit
Manage everyday life
Use it for groceries, gas, bills, or anything in between.
Keep it on standby
Having a safety net brings peace of mind.
Tackle important tasks
Cover car repairs, home projects, or medical costs as the come up.
Keep moving forward
Access funds on your terms, without second-guessing.
Line of Credit FAQs
What is a Line of Credit?
A Line of Credit is an open-ended way to get an instant cash advance when you need it. Take out a little or a lot, pay it back over time, then tap into the funds again.
- Open your line with one simple application.
- Take what you need. Receive funds the next day (or sooner).
- Pay with your pay cycle. Minimum payments are due on your outstanding advance amounts on your pay dates.
- Tap back in. As you pay it down, funds become available again.
One application gives you ongoing access. No more reapplying!
Why should I open a Line of Credit?
Because it gives you flexible, instant access to money anytime. Take out only what you need up to your limit — whether it’s $50, $500, or $4000 — without having to reapply every time you need extra cash.
Is there an application fee?
Nope! There’s no application fee. And once your Line of Credit is open, you’ll only pay fees on the amount you take out — not your full approved limit.
How much does a Line of Credit cost?
You only pay for the amount you advance, not your full approved amount. And there’s no fee or billing cycle charge when your line isn't in use.
Minimum payments are based on what you’ve taken out and your pay schedule. Details will be clearly listed in your ongoing billing statements, and you’ll receive full disclosures before finalizing your application.
How fast will I receive funds?
Depending on what time your application for a Line of Credit is approved, your first cash advance is typically deposited the next business day.
Once your Line of Credit is open, future advances are usually available the same day or within 24 hours.
Timing may vary based on your bank’s policies and cut-off times for same-day processing.
How do I make payments?
Log in to your online account or visit a nearby Advance America to make a payment. You'll receive ongoing billing statements detailing your minimum payment amount and payment date. If you've set up ACH authorization, your payment amount will be automatically debited from your checking account each cycle.
When is it paid off?
There’s no set end date. You can pay it off anytime — or keep using it. As long as your account is in good standing, your line stays open.
How do I increase my Line of Credit?
Your approved amount can grow over time with a history of on-time payments.
Do I have to pay my balance in full?
No, you’re only required to make the minimum payment amount each billing cycle. But paying more — or paying it off in full — helps you save on the total cost. It also frees up those funds to use again.
