Hablamos Espanol | 888-942-3320Online Line of Credit
An online line of credit gives you the flexibility to borrow what you need, when you need it.
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Borrow up to $3,000
Get a Fast Decision
Potential for Same-Day Funding
No Hard Credit Check
What is an Online Line of Credit?
An online line of credit gives you the flexibility to handle expenses as they come up. Instead of borrowing a set amount all at once, you can borrow only what you need, when you need it, up to your approved credit limit. You’ll only pay interest and applicable fees on the amount you borrow. And as you pay down your balance, your available credit replenishes, giving you continued access to funds without having to reapply.
How Does a Line of Credit Work?
From applying to accessing funds and borrowing again, see how an online line of credit works every step of the way.
1. Apply
Complete our secure online application in just a few minutes to see if you qualify for a line of credit.
2. Get a Decision
We'll let you know right away if you're approved and how much money you're eligible to borrow.
3. Make a Draw
Once approved, request a draw from $50 up to your available credit limit, either at the time of your application or through your customer portal.
4. Borrow Again
As you repay what you borrow, your available credit replenishes, giving you access to funds again without reapplying.
Line of Credit Details
Review important details about our online line of credit, including available credit amounts, payments, fees, and account requirements.
Eligible amounts
Up to $3,000
Does the minimum payment decrease my principal balance?
Yes
Credit check
Soft credit inquiry – no impact to your credit score.
Loan term
Active accounts are open-ended. If the account is not used for over 365 days, the account will close.
What do I need to apply?
Live in a state where we’re licensed to lend
Be at least 18 years old with valid ID
Have an active checking account in your name
Late fee
Up to $10 fee may apply for late payments.
Return fee
Up to a $30 fee may apply to returned payments, but you will not be charged multiple return fees.
Payment schedule
Your payment schedule is structured around your pay cycle.
Do we accept partial payments?
Yes
Payment extension
Yes, up to 5 calendar days.
Minimum draw requirements
Request a minimum draw of $50 but you are not required to make a draw.
The Benefits of Net Pay Advance
We’ve helped good people keep moving forward financially since 2007. We want to partner with you, too. That’s why we offer funds to help cover unavoidable expenses, clear terms, and payments that allow you greater freedom.
3 MILLION
Loans Funded
2.4 MILLION
Customers
8,000+ 5 STAR
Trustpilot Reviews
9 STATES SERVED
Fully Licensed in Each
PROUDLY Serving Our Customers With Our Line of Credit
Over 8,000 customers gave us 5 stars. Read what they said below.
Frequently Asked Questions
How much can I borrow with a line of credit?
Net Pay Advance offers line of credit loans up to a maximum of $3,000. The minimum amount you can borrow depends on what state you live in.
Can I get a line of credit if I have bad credit or a low credit score?
You can apply for a line of credit even if you have bad credit, a low credit score, or no credit history. Your credit score isn’t the only factor considered when determining eligibility.
What can I use a line of credit for?
You can use a line of credit for a variety of personal expenses, from unexpected bills and car repairs to everyday expenses that can't wait until payday. Because you choose how much to borrow from your available credit, you can use the amount that fits your needs instead of borrowing your entire credit limit.
How do I know if a line of credit is right for me?
A line of credit can be a good option if you want the flexibility to borrow money as you need it instead of taking out one lump-sum loan. You choose how much to borrow from your available credit and can access more funds as you repay your principal balance, without submitting a new application each time.
What makes a line of credit different from other loans?
Unlike a traditional loan that provides a one-time lump sum, a line of credit gives you ongoing access to available funds. You choose how much to borrow and when to borrow it. As you repay your principal balance, that amount becomes available to borrow again, so you can access additional funds without applying for a new loan each time.
Can I use my line of credit more than once?
Yes. A line of credit gives you revolving access to funds. As you repay the principal you borrowed, that amount becomes available to draw again, subject to your available credit and account status. You do not need to submit a new application each time you need another draw.
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Rates, Terms, and Licenses
Click learn more for full details on our rates and terms, including Annual Percentage Rate and loan length.