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Line of Credit Loan

Everyone needs some extra cash now and then to cover unexpected expenses. A line of credit from LoanByPhone offers you the flexibility and control you need to stay on top of your finances on the go. By filling out our quick and confidential mobile application above, you can easily qualify for $100–$800 of renewable monthly credit.

(see Rates & Terms for more information)

Borrowing cash with a line of credit works like a credit card. You can withdraw as much or as little cash as you need within your available credit limit to cover unforeseen expenses. There is no limit to the number of cash requests you can make each month, and you are only charged interest on the money you use. The flexibility of a line of credit combined with the mobility offered by LoanByPhone makes for a perfect solution to cover unexpected bills, such as emergency repairs, medical costs, and other unplanned expenses.

One of the best things about a LoanByPhone line of credit is that you only have to apply once! After you qualify for a line of credit with LoanByPhone, you can keep your line of credit open and maintain the benefits by simply maintaining your account in good standing. A line of credit gives you confidence knowing no matter what comes your way financially and no matter when or where the need may arise, you have extra cash at your disposal.

How does a line of credit work?

A line of credit from LoanByPhone works like a credit card, minus the card. With a line of credit, you can make multiple cash requests each month for any amount you need up to your available credit limit, and you only pay interest on the money you use.

See Rates & Terms for more information.

Follow the easy steps below to see how much cash you qualify for with a LoanByPhone line of credit.

  • APPLY Complete our secure online application above. It only takes about 5 minutes.
  • SIGN If you’re pre-approved, confirm your funds by e-signing your loan documents.
  • GET CASH Once approved, your cash will be ready for use in about *24 hours.
  • REPAY LOAN You will receive a bill each month detailing your monthly payment toward your line of credit.

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What do I need to apply?

You must be at least 21 years old to apply for a line of credit. To get started, you will need your:

  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number

Still have questions?

Check out our line of credit FAQs for more information.


*The funding process typically occurs within 24 hours or the next business day after receiving approval. Line of credit requests processed before 7:00 p.m. EST during non-holiday business days are usually funded the next business day. For example, a customer whose line of credit request is received Monday before 7:00 p.m. EST and is verified and approved by LoanByPhone will typically receive access to the credit on Tuesday (if Tuesday is not a holiday).