Line of Credit up to $4,500

You can't always predict when money's going to be tight. But you can be prepared.

Check Your Eligibility

This won't affect your credit score.

It's easy to get money with your personal line of credit.


The secure application takes just minutes. Depending on your application, you could be approved for a line of credit of up to $4,500.

Get Funds

You can take a Cash Advance from your Available Credit whenever you need funds. You’ll get your money the next business day or sooner, after a 10% Cash Advance Fee is deducted.


You’ll have a Minimum Payment each Billing Cycle, which includes a portion of your Cash Advance Balance plus a Statement Balance Fee. Your payment history is reported to major credit bureaus, meaning you can build credit history with on-time minimum repayments.

Head to the Rates & Terms for more details and to learn what is offered in your state. For a full list of terms and definitions, visit the Line of Credit glossary page.

What can your personal line of credit give you?


With a line of credit, you can get the money you need up to your credit limit, repaying only based on what you’ve borrowed.


Qualifying account activity can unlock rewards that make your line of credit more flexible to pay back and more affordable to get money when you need it. For more information on Skip-a-Pay and Fee Saver rewards, visit the Line of Credit Rewards page.


NetCredit is owned by Enova, a publicly traded company (NYSE:ENVA), and has been helping customers meet their financial needs for more than a decade.

What do I need to apply for a line of credit?

You must be 18 or older. (19+ in AL and DE, 21+ in MS.)

You must have a valid personal checking account.

You must have an active email address.

You must have a verifiable source of income.

Check Your Eligibility

This won't affect your credit score.

Frequently Asked Questions

A line of credit is an open-end financial product that lets you borrow up to a predetermined credit limit and repay based on what you borrowed. As you repay, your credit becomes available again, letting you borrow as needed.

Some common features of a line of credit include:

  • You may borrow money up to your available credit limit.

  • Every time you borrow money, your available credit decreases.

  • Depending on your lender, you will typically be charged fees and/or interest based on how much you've borrowed and how long you take to repay.

  • As you repay, your available credit increases.

  • Payments are made gradually over scheduled due dates.

You can request and receive a Cash Advance at any time from your Available Credit so long as:

  • You have an open line of credit with at least $50 in Available Credit.

  • Payments on your Account are current, and your Account is not past due.

  • Your Cash Advance request is at least $50.

You can request a Cash Advance from your Available Credit by signing in to your Account. If you have any questions or need any assistance, call us at (877) 392-2014.

If you request a Cash Advance between 12 a.m. and 9:30 a.m. CT, you'll typically receive your money the same business day. Cash Advance requests after 9:30 a.m. CT are typically funded the next business day. If you request funds over the weekend, you'll typically receive your money the following Monday. Keep in mind that the exact funding time will depend on your bank. If there’s any delay, don’t hesitate to inquire with them.

Yes! As a NetCredit line of credit customer, you will become eligible for rewards as you make Qualifying Strings of Payments (12 consecutive Bi-weekly/Semi-monthly or 6 consecutive Monthly payments):

Skip-a-Pay lets you skip the regular Minimum Payment for a specific Billing Cycle. This includes the Statement Balance Fee associated with that Minimum Payment. So you can get the financial relief you need when unexpected expenses arise.

Fee Saver
Fee Saver reduces the Statement Balance Fee you must pay each Billing Cycle. Over time, with Qualifying Strings of Payments, you may be able to reduce your Statement Balance Fee up to 60%!

For more information on Skip-a-Pay and Fee Saver rewards, visit the Line of Credit Rewards page.

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Check Your Eligibility

This won't affect your credit score.