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Online Line of Credit

A personal line of credit is a simple alternative to a classic loan. You may borrow as much or as little as you need within approved line of credit limit. This gives you unparalleled flexibility and control, and you only pay interest on the amount you actually use.

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You must read and agree to Terms, Privacy Policy, Rates and Fees before submitting a loan request.

Instant Line of Credit Online – Features and Benefits

Immediate Online Approval

When you apply for a personal line of credit online through PaydayAllDay, you will receive an instant loan decision. Final approval usually takes a few hours. Your funds will generally be available on your bank account within one business day.

The Flexibility You Need

With a personal line of credit, you are in control. Don’t need to use all the money you were approved for? You don’t have to. You decide how much of the line of credit to use, and when.

No Need to Reapply and No prepayment penalty

Principle all paid off? Borrow more if you need it. You do not need to submit another loan application. You personal line of credit will be active up to 24 months! If you get your line of credit paid off early, you will not be charged a fee.

Easier and More Affordable to Pay Back.

With an online line of credit, you are only charged interest on the money you borrow. That means if you do not borrow against the full amount for which you are approved, you only pay interest on that which you do. Multiple repayment options are offered so that there is a flexible solution for every customer.

Bad Credit? Not a Problem!

Our lenders perform an alternative credit check. This soft check does not damage your credit score. Many of our lenders are more than willing to open an online line of credit for customers whose credit scores might be considered “bad.”


In order to apply for an online line of credit, you must meet the following requirements:
  • Be age 18 or above;
  • Be a US citizen;
  • Have a bank account with direct deposit option;
  • Have a valid address, email, phone;
  • Have a steady, reliable income source.

Safety Warnings

Safety Warnings for Instant Online Lines of Credit Loans:
  • Only borrow money you can afford to pay back.
  • Beware of websites which “guarantee” approval or make other unrealistic promises.
  • Watch out for debt collection scams. Read more here.

State Information

While a line of credit loans are available in most states, residents of some may not be eligible for this type of loan product. To find out whether you can get an instant line of credit online in your state, see this page.

Repayment Information

For your convenience, lenders offer several easy repayment methods. There are never any penalties for prepayment. With a personal line of credit, you borrow only what you need, keeping interest and fees to a minimum.

Why Choose PayDayAllDay for Your Line of Credit Loan Cash Needs?

We work with a wide network of reputable lenders to bring you competitive offers and good credit products. Our online application process is fast and easy. Fill out the form and find out instantly whether you qualify. We respect your privacy and share your information with our network of lenders only, never with any other third parties. Customer experience is our top priority. If you have questions or need help at any point, our friendly support agents are standing by. Ready to enjoy the flexibility, convenience, and control of an online line of credit? Fill out the fast online application form to apply now!

Customer Notice

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.