Line of Credit up to $4,500

Don’t let surprise expenses throw off your groove.

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.

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

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.

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Check Your Eligibility

This won't affect your credit score.