Line of Credit up to $4,500

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.

• Depending on your lender, you will typically be charged fees and/or interest based on how much you've borrowed and how long you take to repay.

• As you repay, your available credit increases.

• Payments are made gradually over scheduled due dates.

You can request and receive a Cash Advance at any time from your Available Credit 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^*.

^*Note: in Minnesota, the minimum Cash Advance is $1,450 and you must have at least this amount in Available Credit before requesting a Cash Advance.

You can request a Cash Advance from your Available Credit by signing in to your Account. If you have any questions or need any assistance, call us at (877) 392-2014.

Initial Application
Inititial Cash Advances for approved applications are typically funded the next business day. Applicants who submit an application before 11:00 a.m. CT Monday – Friday and request a Cash Advance may receive their funds the same business day. Approval may be subject to additional verification. Failure to provide additional documentation promptly may delay funding.

Open Lines
If you have an active line of credit and request a Cash Advance between 12:00 a.m. and 12:00 p.m. CT, you'll typically receive your money the same business day. Cash Advance requests after 12:00 p.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.

Yes! As a NetCredit line of credit customer, you will become eligible for rewards as you make Qualifying Strings of Payments (12 consecutive Bi-weekly/Semi-monthly or 6 consecutive Monthly payments):

Skip-a-Pay
Skip-a-Pay lets you skip the regular Minimum Payment for a specific Billing Cycle. This includes the Statement Balance Fee associated with that Minimum Payment. So you can get the financial relief you need when unexpected expenses arise.

Fee Saver
Fee Saver reduces the Statement Balance Fee you must pay each Billing Cycle. You may earn enough Fee Saver rewards over time to reduce your Statement Balance Fee by 33% to 60%, depending on the original fee schedule assigned to you at the time of application based on your creditworthiness.

For more information on Skip-a-Pay and Fee Saver rewards, visit the Line of Credit Rewards page.