How Does an Utah Online Line of Credit Work?
Simple Process
Apply in minutes with our
quick online application
Quick Approvals
Submit application and
get approved.
Instant Funding*
Money credited into debit card
or bank account - instantly. *Bank participation
required.
Sometimes you need extra cash for emergencies. Good news! An Advance Financial Line of Credit Loan is a smart and fast way to borrow money. In Utah, we approve Line of Credit Loans from $50 up to $4,000 and do not require you to have a high credit score. We offer a secure process to apply for a loan and our friendly customer service team is happy to help 24/7/365 to answer all your questions.
Whether you live in Salt Lake City, Ogden, Provo, or Park City, the Advance Financial Line of Credit Loan is the perfect alternative to other loans. No more long wait times, no more hassles! Apply for a paperless loan online and you could get the cash you need on the same day*.
And you can always pay off your loan early without penalty and we will even keep your line of credit open so you can get the cash you need anytime.
*Bank participation required
Flexible Loans That Fit Your Ongoing Needs
Flexible Payments
Fixed Rate
Access Your Cash Anywhere
Line of Credit Loan FAQs - Utah
What is an online line of credit loan?
It is an unsecured open line of credit and comes with credit limits. You will only be charged with interest and fees only for the amount you withdraw.
What do I need to get an online line of credit in Utah
- Photo ID
- Proof of income
How long do I have before I am required to pay back my line of credit loan?
You can pay on your line of credit anytime, and you only pay interest and fees for the time you keep the borrowed money. The quicker you pay the principal balance, the fewer charges you will incur.
How does a line of credit compare to a payday loan?
A line of credit comes with credit limits and lets you borrow money up to your approved limit. A payday loan is a short-term loan that helps you get quick cash to cover your expenses and must be paid back by your next payday. Unlike a payday loan, an online line of credit can be a better choice as it gives you the flexibility to repay at your own pace in conveniently scheduled payments.
Line of Credit Rates and Terms in Utah
Advance Financial loan agreements are governed by the applicable laws of the State of Utah.
Maximum Amount
The maximum Line of Credit amount at Advance Financial is $4,000.
Loan Terms
You can pay back your Line of Credit anytime and you only pay interest for the amount of time you keep the money.
How much can I receive on a Line of Credit?
A withdrawal from your Line of Credit is called a Cash Advance. Cash Advances can be requested from $50 up to your available Credit Limit.
How much does it cost?
Utah Interest Rates and Interest Charges
| APR* for Cash Advances | 450%  |
| Paying Interest | You will be charged periodic interest from the date of each transaction |
* Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate.
This is the maximum rate we charge. Some borrowers may qualify for lower rates.
To See Your State's Licenses
Disclaimers
Online lines of credit from $50 to $4,000, subject to underwriting and approval.