LINE OF CREDIT

Flexible.
Open-Ended.
Dependable.

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line of credit loans

Select your state to see loans and amounts.

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FLEXIBLE

After loan approval, draw funds from your Line of Credit up to your approved credit limit. You choose how much or how little to borrow at once, repay over time, and only pay interest on the amount you’ve borrowed. As you pay back your Line of Credit loan, you can continue to draw from your credit limit. Line of Credit flexibility is about controlling your loan amount to meet your unique financial needs.

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OPEN-ENDED

A Line of Credit provides ongoing access to cash. Your credit line will remain open as long as you need it. If your loan carries a $0 balance for a full year then we will take your cue and close your Line of Credit as a courtesy. But as long as you continue withdrawing cash and your account is not past due, your Line of Credit will stay open.

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DEPENDABLE

A Line of Credit from Speedy Cash allows borrowers to utilize a dependable source of funds as needed, particularly when facing larger ongoing expenses. Once you receive your approval and credit limit, you can depend on the availability of cash as you need it. The process is simple, dependable, and our team is always there to help with any questions you have during the term of your loan.

Line of Credit Amounts

Available loans and allowable lending amounts vary by state. Before you apply, double check the loan limits and availability in your state.

ONLINE OR IN-STORE

Delaware

Online $1 - $3,000

Idaho

Online $1 - $3,000

Kansas

In-Store: $1 - $4,000

Online: $1 - $4,000

Tennessee

In-Store: $0 - $4,000

Online: $50 - $4,000

Utah

Online: $1 - $3,000

Available loan amounts vary depending on state laws and regulations. You can view the Rates & Terms for a line of credit in your state. Please contact us or see a store associate for more details.

What is a Line of Credit

A Line of Credit allows borrowers to draw funds over time. You can apply for a Line of Credit at Speedy Cash quickly and without hassle. Post-approval, borrowers receive a Line of Credit or credit line maximum lending amount. You decide when to use your funds and how much to borrow. As long as you have available credit, you can withdraw cash∞ whenever you need. No additional credit checks and no need to re-apply.

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Securing a Line of Credit

Applying for a Line of Credit is quick and simple, and lending decisions are speedy fast. At Speedy Cash, we believe in having transparent terms. There are no origination fees, no fees to open a line, and no fee for draws from your Line of Credit loan (you will however, have to pay interest on the amount you draw).

Drawing from a Line of Credit

Withdraw funds from your Line of Credit by signing in to your account online. Funds can be available as soon as the same day by either picking up cash in-store, or with Instant Funding† to your debit card.

Repaying a Line of Credit

After you withdraw funds from your Line of Credit interest will begin to accrue on the amount borrowed. You will be required to make a minimum monthly payment on the amount borrowed; however, we encourage you to pay more than the minimum owed to cut down on the amount of interest you will be charged. As you pay back your Line of Credit, your credit line will be replenished, and you can continue borrowing against your Line of Credit, up to the maximum available.

How does a Line of Credit work?

1

APPLY

Call, Click, or Come on In. We offer applications for a Line of Credit over the phone, online, and in-store depending on your state of residence. We make swift lending decisions, so you won’t wait long for an approval decision.

2

SELECT YOUR INITIAL DRAW

Draw as much or as little as you like from your Line of Credit. You can continue to draw as needed up to your approved credit limit for the life of your loan.

3

FUNDING

After reviewing and signing your Line of Credit documents, you can choose funding in person or online with our direct deposit option.

4

ACCOUNT STATEMENTS

Keep an eye on your account statements which are conveniently located in your online account. You can also opt to have your Line of Credit statements mailed to you.

5

RECIEVE STATEMENTS

As you pay down the principal balance on your Line of Credit, you can continue to withdraw from your approved credit limit. Interest accrues for the amount you’ve withdrawn, not your total credit limit.

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What do I need to apply?

  • Valid government-issued photo ID
  • Working phone number
  • Steady source of income
  • Bank account

Line of Credit Help Center

Curious About Our Line of Credit?

Whether you're curious how to repay your balance or concerned about loan eligibility, our Help Center is your go-to resource for answers!

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© 2025 Speedy Cash. All Rights Reserved.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

†Instant funding is not applicable for all debit cards and is not available in Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

Green Dot: Must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

California: Compañía está autorizada por el Departamento de Protección e Innovación Financiera bajo la ley de Transacciones Depósito Diferidas de California, Cal. Fin. Código § 23000, et seq.

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the “Do Not Sell or Share My Personal Information” button or link.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Oregon: Licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id. #0267-004-S.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

If you have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov.