Find a Store Login Apply Advance America LOANS RATES & TERMS SERVICES MONEY TIPS ABOUT US Home Loans Line of Credit Personal Line of Credit Enter your state to find available loan options. Use My Location Enter your state Line of Credit Overview How Line of Credit Work Line of Credit Rates & Terms What You Need To Apply For A Line of Credit The money you need, the moment you need it A personal Line of Credit from Advance America provides you with convenient, access to money that’s ready for you in case of an emergency. Simply apply once and the line stays open, allowing you to withdraw money as long as there are available funds. You don’t need perfect credit to be approved. Availability varies by state. Already have an account? Login. The Advance America Line of Credit advantage 23+ Years A 5-star customer experience has made us a leading provider of consumer financial services for millions of Americans since 1997 Read Customer Reviews 134+ million loans issued Our knowledgeable staff and personalized money solutions make getting cash as easy as can be. 1,200+ stores & online Whether down the street or right from your phone, the money you need is always within reach. See All Locations Apply Now How a Line of Credit works When life comes at you fast, a personal Line of Credit gets you money faster. A Line of Credit gives you instant access to the funds you need to pay for daily, and even emergency expenses. Here’s how it works: 1 Start your Line of Credit application now or apply in the store. 2 Once approved, select an amount to be withdrawn. 3 Get money as soon as same-day*. Pay back in scheduled payments or all at once Apply Now Find a Store *Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next business day. Line of Credit Questions What is a personal Line of Credit? A personal Line of Credit is an open line of available funds that you can withdraw money from as you need, allowing you to have money that is readily available. Why should I get a Line of Credit? View More Questions Line of Credit rates & terms The amount of money you can borrow with a Line of Credit, as well as the rates and terms associated, varies by state. To find out the rates and terms associated in your state, click here to learn more and use our estimator tool. Learn more about Line of Credit rates and terms in your state. Learn More What do you need to apply for a Line of Credit? To apply, you'll need the following items: Government issued ID Source of income Checking account Social Security Number or ITIN (in store only) Learn more about what is needed in your state. Learn More Proudly serving our customers 100,000+ reviews on Google Excellent 58,223 reviews on Advance America Line of Credit customer reviews Always on time😎😎 — Line of Credit customer, 07/08/2020 I have no problems, except the payment is not coming out on the 4th Wed. of the month. That is when I get paid, Can you possibly put it on that day?? — Line of Credit customer, 03/08/2020 Your site is user friendly and I really like that! — Line of Credit customer, 02/23/2020 Read More Reviews Apply Now Line of Credit Payment Questions When will payments be due, and how do I make them? Typically, your Line Of Credit payments are due on your pay date and are scheduled as automatic withdrawals from your checking account. You can also make payments at your local store or in your online account. When I pay off my Line of Credit, do I need to reapply the next time I need money? View More Questions More About Line of Credit How Do I Apply For A Line Of Credit? When Should I Use A Line Of Credit For An Emergency? How to Use a Line of Credit to Pay Off Your Debt How to Get an Unsecured Line of Credit What’s the Difference Between a Line of Credit and Loan? Find a Line of Credit store nearby No matter where you are, the money you need is never far. Find a Store Let’s keep in touch Sign up for news, updates and exclusive offers from Advance America. Email Select your state Select your state Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Footer Primary FAQs Contact Us Customer Reviews News Careers Videos Footer Secondary Privacy & Terms Cookies & Targeted Advertising Security Information Site Accessibility Site Map Connect with us Facebook Instagram YouTube Pinterest INFiN © 2021 AARC, LLC. All Rights Reserved. Certain limitations apply. Subject to approval. See your local store for more details and additional disclosures. Checks or money orders may be issued instead of cash. Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Licensed by the Delaware State Bank Commissioner to engage in business in Delaware. Delaware Licensed Lender License #s: 6996; 4472; 9644; 4474; 8061; 6971; 7092; 8052; 6076; 7400; 4473; 7556; 010431 and 012075. Rhode Island Licensed Check Casher. In Ohio, loans offered by Advance America Cash Advance Centers of Ohio, Inc., Lic.# ST. 760166.000, main office located at 135 N. Church St., Spartanburg, SC 29306. In Texas, loans arranged with an unaffiliated third-party lender by ACSO of Texas, LP. d/b/a Advance America, a registered credit services organization (“CSO”), and subject to lender's approval. *Advance America makes title loan referrals to LoanCenter at no cost to you and does not qualify you for a loan. Loans made by First Electronic Bank, member FDIC, or Wilshire Commercial Capital, LLC. Not available in all states. Loans subject to lender’s approval. In California, loans are made pursuant to a Department of Business Oversight California Finance Lenders License, with a minimum loan amount of $2,510. Short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive.