What is a Line of Credit?
A line of credit (LOC) is a preset borrowing limit that can be tapped into at any time. The borrower can take money out as needed until the limit is reached. As money is repaid, it can be borrowed again in the case of an open line of credit.
What are the requirements for a line of credit?
- Must be at least 18 years old or older
- Steady monthly income
- Valid email address
- Working telephone number
- Bank account that accepts direct deposits
Is a line of credit based on credit score?
No! When you apply online our lenders will not perform a traditional hard c redit check pull like the banks do. You will use the income from your job as your good credit.
Will It Affect My Credit Score If I Apply Online?
No it will not! When you apply there will be no affect to your personal credit score.
I Have Bad Credit Can I Still Apply for a Line of Credit?
Even if you have less than perfect credit or no c redit you still can apply online. Learn more about having bad c redit and applying for a line of credit by visiting our bad credit line of credit page.
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