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Personal Line of Credit

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Line of Credit

A personal Line of Credit from Advance America

An Advance America Flex Line of Credit provides convenient, instant access to money that's ready when you need it. Apply once and get approved for a maximum borrowing amount (kind of like a credit card limit). You can borrow what you need as long as funds are available, and your credit line stays open no matter how much or how often you withdraw money.

Best of all? You don't need perfect credit to be approved!

Availability varies by state. Already have an account? Log in

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What is a 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 loan lets you draw on funds up to your set credit limit. Our Flex Line of Credit can give you instant access to the money you need for everyday or emergency expenses. Once approved, you can earn lower rates and automatic line increases over time.1 Complete a Line of Credit application and receive an approval decision for a specific credit limit. This credit limit is based on factors like income and employment, so you don’t need perfect credit to qualify. Once opened, your personal Line of Credit is available whenever you need to borrow money. Draw as much or as little as you need (up to your credit limit), pay back what you borrow all at once or over time, and only pay interest on the amounts you withdraw.


Once approved, select your draw amount.


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

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

How you can use a Line of Credit

You can draw funds from your personal Line of Credit to cover a variety of expenses, such as:

  • Gas and groceries
  • Home repairs
  • Medical bills
  • Rent or mortgage payments
  • Legal costs
  • Travel
  • Large purchases

Line of Credit FAQs

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?

Like a credit card, a personal Line of Credit gives you access to an approved borrowing limit upfront. You decide how much and how often you withdraw funds, only paying interest on the amount you borrow. Our Flex Line of Credit provides the flexibility and freedom to tap into funds without having to reapply each time you need extra money.

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How many Lines of Credit should I have?

The number of credit lines you need depends on your financial situation and budget. Opening multiple Lines of Credit can demonstrate financial responsibility and the ability to manage debt, which can help when you’re trying to qualify for a mortgage or loans with better interest rates – but you should never borrow more than you can afford to repay.

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

When the unexpected happens, a Line of Credit can provide the money you need to handle it. Apply once and receive a set credit limit. The money is there to draw on all at once or in multiple draws. As long as your account is in good standing and you haven’t hit your borrowing limit, you can withdraw funds as needed.

What is the interest rate on Advance America's Line of Credit?

Rates and terms will vary depending on your approved borrowing limit and state regulations. For more information, see if our Flex Line of Credit is available in your state.

How much can I qualify for?

The maximum amount you can borrow with a Line of Credit is based on your income as well as state laws and regulations. Depending on your state, you may be able to qualify for a credit line up to $3,000. You do not need perfect credit to qualify.

When are my payments 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 through your online account or at your local Advance America.

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?

You can continue using your original Line of Credit. As long as you continue to make on-time payments on the money you withdraw, you can continue to withdraw funds up to your maximum approved credit until your Line of Credit expires (at which time you can apply to renew it).

Can I pay off my Line of Credit balance early?

Yes. You can pay off your Line of Credit balance through your online account or at any Advance America store. No prepayment penalties apply, and you may even save on interest and fees.

Rates & terms

The rates, terms, and borrowing limits for our Lines of Credit are based on state regulations.

What you need to apply

To apply for a Flex Line of Credit, you'll need a few pieces of information to get started.

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

Each state has its own requirements, so the documents needed may vary.

Advance America Flex Line of Credit customer reviews

"Excellent people to work with!"

5 star rating

"Very easy transactions "

5 star rating

"Mrs. Margalene Irvin provided excellent customer service! In addition, she was kind, patience, and asked if I understood the process and terms…

5 star rating

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