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Line of Credit
How it works
Get ongoing access to an approved amount you can use, repay, and use again—
without reapplying.
- Take what you need from your available funds
- Only pay for what you use
- Free up available funds as you repay
Access available funds in minutes
Log in to your account
See how much is available and tap Access funds.
Choose your amount
Request a little or a lot (up to your limit).
Get same-day funds*
The money is deposited directly into your bank account.
Terms to know
Outstanding balance
The amount you’ve taken from your line of credit and still need to repay.
Billing cycle
The time between statements — either every two weeks or once a month, depending on when you get paid.
Statement
A summary of what you owe for the billing cycle, including interest.
Minimum payment
The amount you're required to pay each billing cycle to keep your account in good standing.
Tip: Paying more than the minimum can help reduce your outstanding balance faster.
Smart ways to use a line of credit
Manage everyday life
Fuel up your car, avoid a late fee, pay rent — whatever the day brings.
Tackle important tasks
Handle car repairs, home projects, or medical costs as they come up.
Pay it down, use it again
Every payment frees up more available funds — without reapplying.
Stay in control
Check your balance and access funds whenever it works best for you.
Trusted by millions of customers
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