Credit cards have their place, but if you have struggled with accumulating credit card debt and large faceless corporations that want you to stay in debt, it’s time to cut the cards.

You can still get credit, but you don’t have to deal with the expensive debt that credit card companies foist on you. A payday line of credit from one of our lenders works just like a credit card.

The only difference is we want you to be able to pay back what you borrow and to get the money you need affordably.

How Does a Payday Line of Credit Work?

When you apply for a payday loan, you have options that you may not have previously realized were available. One of those is the payday line of credit. You apply for your payday loan as you normally would: fill out the application and get connected with a lender.

When you talk to your lender, ask about a payday line of credit. You can get approved for a certain amount, for instance, $1,000, and draw from that amount as needed. Instead of getting all of the money at once, which you may not need, you can access it as expenses arise.

This protects you from borrowing and using more than you really need. It also helps you access cash quickly. You are already approved and the cash is ready and waiting for you.

A Payday Line of Credit Beats a Credit Card

Why keep accumulating thousands of dollars of debt on a credit card when you can use a small, payday line of credit instead? Credit card companies encourage you to carry debt so they can earn money from the interest you pay. They approve just about anyone for way more money than is affordable.

Then they allow you to pay only the minimum every month, which means you only pay the interest and stay in debt for months, or even years. We want to give you a payday line of credit so that you can borrow and use that money responsibly. Our lenders don’t encourage you to carry debt.

We want you to be able to pay it back and be able to borrow money in a financially responsible way. Get started by applying today.

What’s More Convenient than 24 Hour Lending?

Nothing is more convenient than 24 hour lending. When you need cash, where do you go? To the cash advance store? You have to drive there and waste gas money, and they might not even be open.

Do you ask your parents to borrow money? There’s nothing convenient about that. When it’s the middle of the night on a Saturday and you’re stressing about a late bill or another expense, you can ease your mind and get started on borrowing cash from one of our great lenders.

They are always available to help and to take that weight off your shoulders.

24 Hour Lending is Available and it’s Fast

The availability of our 24 hour lending makes this the most convenient way you can get cash. It doesn’t matter when it occurs to you that you need money and that our lenders might be able to help.

Whenever you turn on the computer to contact us, they will be there waiting. It could be on the weekend, after work, first thing in the morning, or past midnight. Our lending is truly ongoing, 24 hours a day and 7 days a week.

As if that availability weren’t enough to convince you that we have the most convenient loans, we also make the whole process fast. You can apply, get approved, and see cash deposited in your bank account within hours. The longest you’ll wait is the next business day to get your cash.

The 24 Hour Lending Process is Simple

Just because something is available 24 hours a day doesn’t mean it’s easy. With our 24 hour lending, though, that is definitely the case. We can provide you with the simplest and easiest loan process you’ve ever gone through.

It starts with a short application, which is available online or on your smartphone through our mobile app. Just fill out some basic information and you’ll be done. You don’t have to fax anything or wait for a credit check.

One of our lenders will have your application in minutes and will be ready to approve it. Agree to the terms and the loan document and you will just have to wait for your lender to deposit the money in your account.

That won’t take more than a few hours or until early the next day. With 24 hour lending, how can you not apply for a loan today?