Line of Credit

A Line of Credit is an open-ended way to get an instant cash advance when you need it. Take out a little or a lot, pay it back over time, then tap into the funds again.

• Open your line with one simple application.
• Take what you need. Receive funds the next day (or sooner).
• Pay with your pay cycle. Minimum payments are due on your outstanding advance amounts on your pay dates.
• Tap back in. As you pay it down, funds become available again. 

One application gives you ongoing access. No more reapplying!

Because it gives you flexible, instant access to money anytime. Take out only what you need up to your limit — whether it’s $50, $500, or $4000 — without having to reapply every time you need extra cash.

Nope! There’s no application fee. And once your Line of Credit is open, you’ll only pay fees on the amount you take out — not your full approved limit.

You only pay for the amount you advance, not your full approved amount. And there’s no fee or billing cycle charge when your line isn't in use.

Minimum payments are based on what you’ve taken out and your pay schedule. Details will be clearly listed in your ongoing billing statements, and you’ll receive full disclosures before finalizing your application.

View the fee schedule

Depending on what time your application for a Line of Credit is approved, your first cash advance is typically deposited the next business day.

Once your Line of Credit is open, future advances are usually available the same day or within 24 hours.

Timing may vary based on your bank’s policies and cut-off times for same-day processing.

Log in to your online account or visit a nearby Advance America to make a payment. You'll receive ongoing billing statements detailing your minimum payment amount and payment date. If you've set up ACH authorization, your payment amount will be automatically debited from your checking account each cycle.

Log in

There’s no set end date. You can pay it off anytime — or keep using it. As long as your account is in good standing, your line stays open.

Your approved amount can grow over time with a history of on-time payments.

No, you’re only required to make the minimum payment amount each billing cycle. But paying more — or paying it off in full — helps you save on the total cost. It also frees up those funds to use again.