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Personal Line of Credit

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Add more flexibility to your personal finances with our Flex Line of Credit

A personal Line of Credit from Advance America

A Flex Line of Credit from Advance America provides you with convenient, instant access to money that’s ready for you in case of an emergency. Similar to a credit card, simply apply once and the line stays open, allowing you to withdraw money as long as there are available funds. You don’t need perfect credit to be approved. Availability varies by state. Already have an account? Login.

The Advance America Flex Line of Credit advantage

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What is a Flex Line of Credit and how does it work?

When life comes at you fast, a personal Line of Credit gets you money faster.

A Line of Credit is a loan that allows you to draw on funds up to your specified credit limit. Our Flex Line of Credit gives you instant access to the funds you need to pay for daily, and even emergency expenses. Once approved, you can earn lower rates and automatic line increases over time.1 Here’s how it works:

2

Once approved, select an amount to be withdrawn.

3

Get money deposited instantly*. Pay back your Line of Credit in scheduled payments or all at once

*Option available in store for all customers and online for existing customers. Eligibility and processing times may vary.

Personal Line of Credit Questions

What is a revolving Line of Credit?

Revolving lines of credit are flexible loans that you can borrow from again and again, as long as you stay within your specified credit limit. This type of loan is good for things like emergencies or unexpected expenses, since you can easily borrow the money you need without having to go through the hassle of applying for a new loan every time.

What is a personal Line of Credit?

A personal Line of Credit allows you to access a set amount of available funds, drawing only the money you need and paying interest only on what you borrow.  Similar to a credit card, our Flex Line of Credit gives you more control and flexibility to use whenever you need it without having to reapply.

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How many Lines of Credit should I have?

The amount of Lines of Credit you should have depends on your financial needs and budget. Many people have multiple Lines of Credit at one time. Having several Lines of Credit can show that you're responsible with your finances and that you can handle debt. This can help you when you're applying for a loan or a mortgage and can also help you get approved for better loan interest rates.

How does a Line of Credit work?

When applying for a personal Line of Credit, apply just once and receive approval up to a specific credit limit. Perfect credit not needed. Then, withdraw money as you need it up to your approved amount. You only pay interest on the money you withdraw, and the rest remains available if needed. You can payback all at once or over time.

Why should I get a Line of Credit with Advance America?

When the unexpected happens, a Line of Credit provides you with the money you need to handle it. Simply apply once and the funds remain available for you to draw from any time, as long as there is credit remaining in your account and your account is in good standing. The Flex Line of Credit from Advance America allows you to earn lower rates and automatic line increases over time.*

* Subject to product limits

How do I apply for a Line of Credit?

Applying for a personal Line of Credit from Advance America is easy. Depending on your state, you can apply either in-store or online.

Applying online requires a few simple steps:

  • Step 1 Choose Your Loan

  • Step 2 Provide Basic Contact information

  • Step 3 Provide Employment information

  • Step 4 Provide Banking information

  • Step 5 Review, Sign and Submit your application

Applying for an in-store Line of Credit is also simple. Based on your state, just bring the necessary documents to your nearest Advance America. With the help of our knowledgeable staff, you can apply, get a fast approval decision, and instantly withdraw the money you need. To find out if a Line of Credit is available in your state, click here.

What are Advance America’s Line of Credit Rates?

Your Line of Credit rates and terms will vary depending on the amount that you borrow. Depending on your state, you can borrow up to $3,000 for a Line of Credit. Click here to find out if a Line of Credit is available in your state. If so, check out our Rates and Terms section to view fee examples.  With our Flex Line of Credit, you can earn lower rates over time with automatic line increases.*

*Subject to product limits.

What Line of Credit do I qualify for?

There are a few factors that impact the amount you will be qualified to borrow. The amount is based on your income qualification criteria, and state laws and regulations. You do not need perfect credit to qualify.

Flex Line of Credit rates & terms

The amount of money you can borrow with a Line of Credit, as well as the rates and terms associated, varies by state. To find out the rates and terms associated in your state, click here to learn more and use our estimator tool.

Learn more about Flex Line of Credit rates and terms in your state.

What do you need to apply for a Line of Credit?

To apply, you'll need the following items:

  • Government issued ID
  • Source of income
  • Checking account
  • Social Security Number or ITIN (in store only)

Learn more about what is needed in your state.

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Advance America Flex Line of Credit customer reviews

"The lady was very nice and she new what she was doing she was awesome I will recommend her to my family and friends "

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"The ladies were very friendly, helpful and informative. Great customer service!"

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Line of Credit Payment Questions

When will payments be due, and how do I make them?

Typically, your Line Of Credit payments are due on your pay date and are scheduled as automatic withdrawals from your checking account. You can also make payments at your local store or in your online account. Our Flex Line of Credit gives you the flexibility you need allowing you to postpone a payment interest-free.*

*Subject to eligibility restrictions.

When I pay off my Line of Credit, do I need to reapply the next time I need money?

No, you do not have to reapply for a Line of Credit the next time you need money - your line remains open and available. As long as you make on-time payments on the money you withdraw, you can continue to withdraw funds up to your maximum approved credit limit. In fact, our Flex Line of Credit gives you more flexibility by allowing you to earn lower rates over time and automatic line increases.*

*Subject to product limits.

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Can I pay off my Line of Credit balance early?

Yes, you can pay off your line early at your nearest store or within your online account.  Plus, there are no prepayment penalties if you choose to pay your entire balance early and doing so will reduce the amount of interest and/or fees that you pay.

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1 Subject to product limits. 2 Subject to eligibility restrictions.