Instantly access a line of credit when you need it most
Apply for the loan that puts you in control
InstaLine is a simple, convenient pre-approved line of credit that lets you control when you access your loan and what you access it for — just by using your debit card or writing a check.
No Annual Fees your first year
Just $30 a year after
Other credit limits and terms may be available, subject to credit approval
How it works
- 1. Apply for InstaLine
- 2. Upon approval, your InstaLine waits in reserve until you need it
- 3. When you spend over your checking account balance, funds are transferred from your InstaLine to your checking
- 4. As you use your InstaLine, your line of credit decreases
- 5. As you pay back your InstaLine, your line of credit increases
**Upon approval, your line of credit stands in reserve until you need it. When you spend in excess of your checking account balance, funds are transferred from your InstaLine to the checking account in increments of $100.00. As you use InstaLine the amount you can borrow is decreased. As you pay it back, your line of credit goes up again. The minimum monthly payment is 5% or $10.00, whichever is greater. Minimum monthly payments are due within 23 days after the billing date. For efficiency, we will automatically deduct the minimum payment from your designated checking account. You my make a payment of any amount above minimum prior to the 22nd day and no automatic deduction will occur. 13.99% APR (Annual Percentage Rate). Annual fee of $30, waived the first year. Other credit limits and terms may be available, subject to credit approval. Offer subject to rate change or cancellation at any time without notice.