Online Line of Credit
Apply for a secure online line of credit with Net Pay Advance – up to $3,000. Get a quick decision in seconds. Now with instant funding options*!
What is a personal line of credit?
In simple terms, a line of credit, or credit line, is similar to a credit card. It’s a flexible loan where approved customers have access to a pre-determined set of funds, or borrowing limit.
A personal line of credit loan is open-ended, which means there is no set end date that the customer must repay all the money drawn. Customers can pay in full at any time, or make the minimum payment due on their due date. They can use their funds whenever they need, and borrow up to the limit they’re approved. Once they pay back borrowed funds and interest rate, they can borrow it again when needed. Use your line of credit to make draws and repay your balance over years as needed, without a second application or hard credit check.
For example, let us assume your credit line limit is $1,000. You can withdraw $600 at one time and $400 later as needed. If you repay $200, you’ll be able to withdraw $200 later at your will.
How a line of credit works
Application
It all begins with submitting an online application. You can find our personal line of credit application here. With no hard credit check, there’s no risk to your credit score!
Borrow/Receive Funds
We offer credit limits from $500 to $3,000. Use your online account or mobile app to withdraw the money you need, when you need it. You’ll receive your funds quickly with our instant* funding and next business day deposit options. There is a minimum draw amount of $50. However, there are limits to the number of times a customer can draw money while staying within the available credit limit.
Payments
Each month you’ll receive your statement which will indicate your minimum payment due and the due date. Pay over the minimum payment to pay off your loan quicker! We have an auto payment option to help make the process easier, and ensure you don’t miss a payment. However, you can opt out if preferred, and schedule a payment manually, the due date remains the same. Your available credit is revised after your payment has been received. You’ll be able to withdraw the funds when you want. Tip: Add a debit card to re-apply the same day as re-payment!
Statements
Customers will receive an email notifying them that they can view their statement at the end of each billing period. They can also view their statements from their customer account. Statements offer a breakdown of what happened during a billing period in terms of draws, interest, and monthly payments, as well as the minimum payment amount and due date.
Repeat
With our flexible online line of credit, you have the power to borrow and repay as you see fit, up to your credit limit.
Features
Fast
Complete the online application in about five minutes, and get an instant decision. Funds are deposited quickly. *Instant and next business day options available. Learn more (link to instant vs ACH article)
Easy
As a direct lender, we keep the lending process simple. You’ll work with just one team, Net Pay Advance, from start to finish. Our application is easy too, and since there’s no credit needed, we offer personal lines of credit for bad credit, good credit, or no credit.
Flexible
With our flexible line of credit, the power is in your hand. Make withdrawals as needed, and pay it back when you’d like.
Available
Best of all, we’re online. Your nearest line of credit lender is just as close as your computer or mobile device. You can access your account day or night. Plus, if you have questions regarding your credit line, our friendly team is just a phone call away.
Personal Line of Credit vs. Payday Loan
Is a payday loan or line of credit best for you?
For more information on payday loans and lines of credit, click here.
What’s needed when applying for a line of credit
At Net Pay Advance, we don’t think your credit score or credit history define you. That’s why there’s no hard credit check! Instead, there are a few other requirements to qualify for a personal line of credit. They are:
Be at least 18 years of age or older
Applicant needs to be a Kansas resident
They must have a bank account in their name that has been active for at least 30 days
Applicants meeting the above criteria are eligible to apply now. Meeting qualifications does not guarantee approval.
What’s needed when applying for a line of credit
At Net Pay Advance, we don’t think your credit score or credit history define you. That’s why there’s no credit check! Instead, there are a few other requirements to qualify for a personal line of credit. They are:
Be at least 18 years of age or older
Applicant needs to be a Kansas resident
They must have a bank account in their name that has been active for at least 30 days
Applicants meeting the above criteria are eligible to apply now. Meeting qualifications does not guarantee approval.
Frequently Asked Questions
1What is a personal line of credit?
A personal line of credit, or credit line, is a flexible loan with a fixed credit limit. They’re often thought of as a “no credit check loan“, which isn’t quite accurate. Often, a soft credit check is run to just confirm a person’s identity. But that check won’t impact your credit at all! With a personal line of credit, you’re able to borrow funds and repay them over a period of time.
2What is the maximum credit limit I can get?
The maximum credit limit is $3000.
3What credit score do I need to get a line of credit?
A “no credit check line of credit” doesn’t truly exist. To confirm a customer’s identity, legitimate lenders run a soft credit check that doesn’t impact credit score. The good news though is that there’s no set credit score required for our line of credit! Net Pay Advance offers line of credit and payday loans with no credit needed. That means there’s no hard credit check, so you can apply with us with good and bad credit. At Net Pay Advance, we know our customers are more than a credit score.
4When should you use a personal line of credit?
You should use a personal line of credit when you need a higher loan amount, or credit limit, with a less strict repayment timeline.
Quick funds.
I cannot express enough how fast and convenient this loan service is. There are no hidden fees, just a small interest rate.
– Anissa
Reliable service.
I’ve used Net Pay Advance quite a few times recently, and they have always been there in [my] time of need.
– George
Makes loaning easy.
Nothing but great things to say here.
– Kassaundra
Why thousands recommend 
For the last 14 years, Net Pay Advance has been serving customers by offering them short-term loans with no credit needed. We cater to our customers with due diligence and provide financial relief when times are tough. We’ve got quite a bit more to offer. Here are just a few out of the countless reasons why customers keep coming back
Referral Program
Free Due Date Extensions
Discounts
Mobile App
At Net Pay Advance, we prioritize YOU – the customer, by offering quick access to cash. We empower you by providing cash assistance with no credit needed so that you can meet unexpected expenses.
Rates & Terms
For a complete list of our credit line rates and terms, including interest rate and length of loan, click here.