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How It Works

What is a Line of Credit?

A Line of Credit Loan allows you to borrow up to your approved credit limit.  Your credit limit is based on your ability to repay the loan. Our Line of Credit allows you to use the available credit at any time while your Line of Credit is open. Example: If you are approved for a line of credit up to $2500, you can request all your credit at once or you can request smaller amounts you need them and as often as you need them, up to your credit limit. Your loan payments will adjust automatically upon any change in loan principal. Stop wasting your valuable time with filling out loan applications every time you need extra money!  You will have peace of mind knowing that you have access to funds and your account is not closed when you have a zero balance, as long as your account is in good standing. NO reapplying, NO hoping to get approved, NO Hassles!

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How Much Can I Qualify For?

In determining the approval amount for your Line of Credit or Loan, we take into consideration your monthly net income,(we WILL NOT advance more than you can afford to repay), length of employment at your current job, and your current monthly debt to income including: car payments, housing expense, and reoccuring monthly bills). We will set a loan limit based on your disposable income after all expenses have been deducted.

Your credit draws on your Line of Credit may be limited until your first transaction payments are successful.

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How Long Does It Take To Get the Available Funds?

Upon approval and signed loan agreement, you may immediately request funds up to your approved loan limit. We will send your funds via ACH to arrive at your account the next business day. Same day funding options are available, such as a wire transfer, for additional fees. Please ask customer service for funding options available in your state, as well as fees for requested services.

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What Are The Requirements For Approval?

  1. Full time employment or have other documented monthly income.
  2. Minimum net income of $1500 (after taxes and deductions) salary per month.
  3. Have an active checking or savings account in good standing and open for a minimum of 2 months.
  4. Be at least 18 years of age.
  5. Subject to underwriter approval.
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    How Do I Receive the Money and How Do I Pay?

    Your acceptance, of our Master Line of Credit Agreement terms and conditions, provides pre-authorization for us to electronically send and receive funds of approved amounts. We transfer your funds and payments by Federally regulated EFT (Electronic Funds Transfer), also known as ACH (Automated Clearing House), into your account and obtain payments from your account on scheduled repayment dates. Other payment options are available upon request.

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    What Is the Master Line of Credit Agreement?

    It is the Agreement with all the terms and conditions of Line of Credit or Loan. It enables, you as the customer, to be fully aware of all fees and terms associated with your loan. Included within is the Electronic Funds Transfer (EFT) Agreement authorizing us to send funds to your account and authorizing your bank to send repayment of the loan plus fee in the form of EFT/ACH debts. It also includes the Federal Disclosure Requirements as required by law.

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    What If I Have No Credit History or a Bad Credit Bureau File?

    Your employment/income is your credit with us. We do check various 3rd party loan reports to verify outstanding loans and repayment history.

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    Do you require collateral?

    No, we do not require any collateral.

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    Is My Information That I Share Online Secure?

    YES. Your information is secured using highly encrypted technology that removes threats of your information being obtained or shared by anyone not authorized by you. We maintain a current registration and our certificate is posted on our site.

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    Text Message Policy

    By providing your cell phone number, you are providing us with consent to send you text messages in conjunction with the services you have requested. Your cellular provider's Msg & Data Rates may apply to our confirmation message and all subsequent messages.

    You understand that text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private.

    Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.

    If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time.

    If you have any questions about this policy, would like us to mail you a paper copy of this plicy, or are having problems receiving or stopping our text messages, please contact us using the following information: National Cash Lenders, LLC, 4023 Kennett Pike, #754, Wilmington, DE 19807. Toll Free at 877-369-505 or email us at

    You agree and consent to be contacted by the Company, our agents, employees, attorneys, affiliates, subsequent creditors, loan servicing companies, and third-party collectors throu the use of email, and/or telephone calls, and/or SMS text messages to your cellular, home or work numbers, as well as any other phone number you have provided in conjunction with this account, including the use of automatic telephone dialing systems, or an artificial prerecorded voice.

    Opt-Out or STOP

    This policy appliesto text messages sent by National Cash Lenders, LLC to our customers while and after they use our product. If you wish to stop receiving text messages from National Cash Lenders, LLC, reply to any text message we have sent you and in your reply simply type STOP. Your stop request will become effective within one business day. You may also stop messages by contacting us using the following information: National Cash Lenders, LLC, 4023 Kennett Pike, #754, Wilmington, DE 19807. Toll Free at 877-369-505 or email us at

    Help or Support

    If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent and in the reply text simply type HELP. Upon receiving your text message, we will send you a text message with this information. It is our plolicy to send no more than 6 messages per month. In general, the messages we send provide you with information about your account. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and internet access.

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