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A line of credit loans is subject to state regulations, approval by the lender, and eligibility. The APR is contingent on a variety of factors including location, lender, the amount borrowed, fees, and terms. Accounts which are not paid in full or on time may be sent to collections. This may have a negative effect on credit score and overall financial status. Consumers with delinquent accounts or insufficient funds may incur other fines and penalties as well. Customers with credit difficulties should seek consumer credit counseling.