Personal Line of Credit

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.

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.

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

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.

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.

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.

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.