Personal Line of Credit

When applying for a personal Line of Credit, apply just once and receive approval up to a specific credit limit. Perfect credit not needed. Then, withdraw money as you need it up to your approved amount. You only pay interest on the money you withdraw, and the rest remains available if needed. You can payback all at once or over time.

Applying for a personal Line of Credit from Advance America is easy. Depending on your state, you can apply either in-store or online.

Applying online requires a few simple steps:

• Step 1 Choose Your Loan

• Step 2 Provide Basic Contact information

• Step 3 Provide Employment information

• Step 4 Provide Banking information

• Step 5 Review, Sign and Submit your application

Applying for an in-store Line of Credit is also simple. Based on your state, just bring the necessary documents to your nearest Advance America. With the help of our knowledgeable staff, you can apply, get a fast approval decision, and instantly withdraw the money you need. To find out if a Line of Credit is available in your state, click here.

Your Line of Credit rates and terms will vary depending on the amount that you borrow. Depending on your state, you can borrow up to $3,000 for a Line of Credit. Click here to find out if a Line of Credit is available in your state. If so, check out our Rates and Terms section to view fee examples.  With our Flex Line of Credit, you can earn lower rates over time with automatic line increases.*

*Subject to product limits.

There are a few factors that impact the amount you will be qualified to borrow. The amount is based on your income qualification criteria, and state laws and regulations. You do not need perfect credit to qualify.

Yes, you can pay off your line early at your nearest store or within your online account.  Plus, there are no prepayment penalties if you choose to pay your entire balance early and doing so will reduce the amount of interest and/or fees that you pay.