It's easy to get money with your personal line of credit.
Our secure application takes just minutes. Depending on your application, you could be approved for a line of credit of up to $4,500.
You can take a cash advance up to your available credit limit 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 period, based on your outstanding balance. We report your payments to major credit bureaus, meaning you can build positive credit history with on-time minimum repayments.
What can our personal line of credit give you?
With a line of credit, you can get the money you need from your credit limit, repaying only based on what you've borrowed.
The Fee Saver feature means consecutive on-time payments make your outstanding balance fee go down. That makes it even more affordable to get money when you need it. Learn more at our Rates & Terms and check back for more benefits that reward on-time payments.
NetCredit is owned by Enova, a publicly traded company (NYSE:ENVA), and we've 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.)
You must have a personal checking account.
You must have an active email address.
You must have a verifiable source of income.
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.
As you repay, your available credit increases.
Payments are made gradually over scheduled pay dates.
You can request and receive a cash advance at any time up to your credit limit 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 up to your available credit limit by signing in to your account or calling us at (877) 392-2014.
If you request a cash advance between 12 a.m. and 10:30 a.m. CT, you'll typically receive your money the same business day. Cash advance requests after 10:30 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.
Flex loans and personal lines of credit are both revolving credit products that allow customers to borrow money up to a predetermined credit limit. These open-end credit products provide financial flexibility in the form of on-demand funds and are commonly used to cover unexpected expenses.
Depending on the lender, a customer will pay fees and/or interest when repaying a flex loan or line of credit. As the customer pays down their balance, they can typically request more funds up to their available credit limit.
Compared to personal lines of credit, flex loans often have higher interest rates, especially if the lender does not check a borrower's credit history.
Your NetCredit line of credit is designed to give you financial flexibility. That means you may become eligible for great benefits with qualifying account activity.
Fee Saver rewards positive payment behavior by reducing your outstanding balance fee and the costs associated with carrying a balance.
To learn more about what benefits may be offered in you state, please visit the Rates & Terms page.
If you have more questions or would like more information, please visit the FAQ page.