Line of Credit: Simple Fast Loans

Simple Fast Loans Line of Credit

If you need extra cash for any emergency situation or major purchases, our Line of Credit option maybe right for you. Similar to a credit card or a flex loan, a line of credit is custom made for you by you. Borrow what you need up to your credit limit. It’s not necessary to take the full amount you’re approved for. Simple Fast Loans offers lines of credit in Alabama ($2,000) and Tennessee ($200 - $1,500).

Get started online by filling out a simple loan application and get an instant loan decision. You don’t need perfect credit to apply for our line of credit. All that is required is a valid driver’s license or state-issued photo ID and an active checking account. Start now and get approved for a line of credit loan today!

How Do Lines of Credit Work?

Before you apply online, you may have questions about the process. Providing you with accurate information is important to us. Here are answers to the questions we receive the most.

What is a line of credit?

A line of credit gives you access to money any time you need it. You can draw on it up to your credit limit for a set period of time and only pay interest when you borrow on the line of credit. Once you pay back borrowed funds, that amount is again available for you to draw against. With this flexible borrowing option, you can choose when to borrow against your credit line and when to pay it back, as long as you adhere to the terms and make your minimum payments.

What documents do I need to obtain a line of credit?

Active checking account where most of your income is deposited
Driver's license or state issued ID

Is there a limit to withdrawals?

There is no limit to the number withdrawals up to your credit limit.

How is my credit limit determined?

Your credit limit is based on your credit score, income, and state laws.

How long does it take to get a decision?

Our online decisions immediate. We won’t keep you waiting long!

How do I make my payments?

Most customers setup automated payments to pay the minimum amount. You can also easily manage your account online to make additional payments or pay in full without any penalties or extra cost. We will be happy to send you reminders because we know how much it helps.

Why doesn’t my line of credit payment dates match my pay schedule?

Lines of credit run on a monthly statement and due date cycle, with the first statement date roughly 15 days from the date that the line of credit is opened, and the first statement due date roughly 20 days after that. After you receive a statement, you may contact us to modify your automated EFT payment date. We are also working on enhancements to make paying lines of credit more flexible.

What Do I Need to Get a Line of Credit?

The following items are required to process your line of credit loan application:

Valid driver's license or government issued photo ID
You must have an active checking account

TERMS AND CONDITIONS

Conditional approval is based on information contained in a pre-qualifying report from a credit reporting agency indicating that you meet the criteria for creditworthiness used to approve applications for this offer. This offer may not be extended to you if we determine that the pre-qualifying report was incorrect or you no longer meet the criteria used for this offer. Conditional approval does not guarantee final approval. Final approval is contingent upon a completed and approved application, passing fraud verification, and verification of identification, employment, income, active bank account and debt obligations. All information that you provide must be true and correct. No responsibility is assumed for incorrect information provided by the various consumer credit reporting agencies. You must be at least 18 years of age. You must provide valid government-issued, picture identification. There must be a telephone number at the residential address provided in your application. This conditional offer applies only to loans for personal, family, or household purposes. Individuals who are active duty military personnel, their spouses, and their dependents are not eligible by law.

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that when you open an account with us or one of our lenders, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We also may ask to see your driver’s license or other identifying documents.

Alabama Residents: This offer is for an advance of credit.

Arizona Residents: This offer is for a registration loan.

Missouri Residents: This offer is for a Small Loan, not a title loan or payday loan, even where title loan or payday loan services are also offered.

South Carolina Residents: Installment loans in South Carolina are subject to customer's ability to repay.

Tennessee Residents: This offer is for a advance of credit.

Texas Residents: This is an offer for credit services from a credit access business, for an installment loan arranged through a third-party lender. This offer is also subject to lender's and CAB's verification ofeligibility and a complete and approved application.

Residents in California, Ohio: Loans provided by CC Connect, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. Loans funded by CC Connect will be serviced by Simple Fast Loans. CC Connect maintains the critical control of the Simple Fast Loans loan origination, underwriting approvals, regulatory, and compliance oversight management. Simple Fast Loans is an authorized servicer of CC Connect. This means you will maintain your CC Connect loan account through Simple Fast Loans.

Simple Fast Loans Line of Credit

Benefits of a Line of Credit

How Do Lines of Credit Work?

What Do I Need to Get a Line of Credit?

We Make Loans Simple & Fast

Simple Verification Process

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