The money you need, the moment you need it
A personal Line of Credit from Advance America provides you with convenient, access to money that’s ready for you in case of an emergency.
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.
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How a Line of Credit works
When life comes at you fast, a personal Line of Credit gets you money faster.
A Line of Credit gives you instant access to the funds you need to pay for daily, and even emergency expenses. Here’s how it works:
Start your Line of Credit application now or apply in the store.
Once approved, select an amount to be withdrawn.
Get money as soon as same-day*. Pay back in scheduled payments or all at once
*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.
Line of Credit questions
What is a personal Line of Credit?
A personal Line of Credit is an open line of available funds that you can withdraw money from as you need, allowing you to have money that is readily available.
Why should I get a Line of Credit?
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.
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.
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 an instant approval decision, and 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 $2,500 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.
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.
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 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 Line of Credit customer reviews
Always on time😎😎
I have no problems, except the payment is not coming out on the 4th Wed. of the month. That is when I get paid, Can you possibly put it on that day??
Your site is user friendly and I really like that!
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.
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 entire balance early?
Yes, you can pay off your loan early at your nearest store or within your online account. If you choose to pay your full balance early, we won’t charge any pre-payment penalties. If you make an early payment that does not cover the full amount you have borrowed, the rest will be paid via automatic withdrawal on the regularly scheduled payment date. For example, if you have a payment of $150 dollars and you pay $100 before the withdrawal date, then we will only collect $50 on the regularly scheduled payment date.