A Line of Credit online is an open-ended loan – this means you can withdraw money at any time so long as you have available credit and your account is in good standing. Online Line of Credit loans through MoneyKey can have a credit limit of up to $2,500, depending on your state of residence. As you pay down your principal, more of your credit limit will be available to you. You are only charged based on the amount of credit you have withdrawn, not on your approved credit limit.