CC Flow Line of Credit in Alabama

Dealing with an emergency expense is never easy, so the best thing you can do is to make sure you’re prepared when the time comes. When it comes to dealing with unexpected expenses, it’s good to have an emergency fund at the ready, but depending on your financial situation and the nature of your emergency expense, you might need a plan B.

If you find yourself in need of a little financial help, an online personal loan may be able to help! With a CC Flow Line of Credit in Alabama, you may be able to qualify for a personal line of credit with a credit limit between $500 to $2,500.

The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. CC Flow maintains control over loan origination, underwriting approvals, and regulatory and compliance oversight management. The CC Flow Line of Credit is available through MoneyKey, an authorized servicer.

While borrowing money online might seem daunting if it’s something you’ve never done before, it doesn’t need to be! Submitting a request for this Alabama Line of Credit is quick and simple. It’s a straightforward process and the terms are clearly laid out in your credit agreement. If approved, you may be able to get your funds deposited from CC Flow into your bank account on the same business day that you request a draw*!


Benefits of a CC Flow Line of Credit in Alabama

Simple Application

  • Submitting a request for a Line of Credit online will only take a few short minutes.
  • The process is easy and straightforward.
  • As long as you have internet access, you’ll be able to apply for a CC Flow Line of Credit through MoneyKey.

Fast Approval

  • Verify your info and you may be approved in minutes.
  • Friendly and helpful Customer Care agents are available 7 days a week to guide you through any part of the process.

Quick Funds for Emergencies*

  • If you’re in need of emergency funds, you can get the money you need quickly.
  • If approved, you may be able to get the funds as soon as the same business day*.
  • A fast and simple way to get the funds you need, when you need them.

Details of a CC Flow Line of Credit in Alabama

While emergency situations can vary from person to person, there are certain things that may come up more commonly. This can include things like surprise car repairs, essential home repairs, or even an unexpected trip to the emergency room. Regardless of what specific situation you’re facing, a line of credit may be able to help you deal with your emergency expense! Here are some of the key details of a CC Flow Line of Credit.

Credit Limit

If approved, your credit limit will range between $500 and $2,500, depending on certain criteria. Depending on eligibility and payment history over time, your credit limit may increase up to $3,500.

Making a Draw

If you’re in need of funds, you can withdraw however much money you need from your available credit, as long as your account remains in good standing. This could be all the funds you have available to you in that moment, or you could draw funds in smaller amounts.

Repaying Your Alabama Line of Credit

If you have an outstanding balance on your account, you will need to make a Minimum Payment for each Billing Cycle.

Your Minimum Payment will be made up of two components:

  • A Mandatory Principal Contribution which will help ensure that a portion of your payment is always going towards paying down your Outstanding Principal Balance; and
  • A Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your periodic statement.

You can always make additional payments on your Line of Credit. Log into your secure account to make a payment online. Contact a friendly Customer Care agent at 1-866-255-1668 if you have any questions.

The Cost of a CC Flow Line of Credit in Alabama

If you have an outstanding balance, you will be charged a Billing Cycle Charge each billing cycle based on the Average Daily Principal Balance that appears on your periodic statement. A portion of each Minimum Payment will always contribute to paying off your principal balance.

For further details, visit the CC Flow Cost of Credit page.

Frequently Asked Questions

Who offers the CC Flow Line of Credit?

The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. Requests for the CC Flow Line of Credit can be submitted through the MoneyKey website.

How do I qualify for this Alabama Online Line of Credit?

In order to request a CC Flow Line of Credit, you must:

  • be a resident of Alabama
  • be of legal age to contract in Alabama
  • be a US citizen or a permanent resident
  • have an active bank account
  • have a regular, consistent source of income
  • have a valid contact number and an active email address

Please note that currently, no credit products offered through MoneyKey have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Will I need to make an appointment to submit a request for this online loan in Alabama?

You will not need to make an appointment to apply for a CC Flow Line of Credit. If you’d like to submit a request, simply click here to begin the process. Submitting a request for this Line of Credit in Alabama online is easy and only takes a few minutes to complete.

If you’d like more information on this process, you can call us at 1-866-255-1668 and someone from the Customer Care team will be happy to help you.

Can I make more than my minimum payments?

Yes, you can. In fact, keeping your account in good standing and making additional payments can help you pay down your balance, increase your available credit and decrease your charges. If you’d like to make additional payments, log into your secure online account any time to make a payment or contact 1-866-255-1668.

Can I get a line of credit today?

The application process with a CC Flow Line of Credit in Alabama is generally a quick one. It only takes a few short minutes to get through the application, and if you’re approved, you may be able to request a draw and receive your funds from CC Flow as soon as the same business day*. You can take a look at the general FAQs section to learn more about the specific details regarding funding times.

Where can I locate loan places near me in Alabama that offer lines of credit?

If you’re in need of a personal line of credit to help you with an emergency expense, a CC Flow Line of Credit may be the right choice for you! You can submit a request from anywhere you can access the Internet; the process is fast and simple. As you can request this online Line of Credit 24/7, there’ll be no need to account for travel time or business hours!

Will a line of credit affect my credit score?

If your payments are being reported to a credit bureau and you’ve been able to make them all in a timely manner over a relatively long period, you may be able to impact your credit history. However, missing payments or making late payments on your line of credit or personal loan may have a negative impact on your credit score.

Is this a payday loan?

No, this product is not the same as a payday loan. An online payday loan is a type of short-term personal loan that requires you to pay back what you owe by your next pay date. This is an online line of credit which works differently than a payday loan in a number of ways.

With a line of credit, you will not be required to pay back what you’ve borrowed on your next payday. Generally, a line of credit is a type of open-ended loan that requires you to make, if you have an outstanding balance, a minimum payment during each payment cycle to keep your account in good standing. If you’re able to, you should try to make additional payments on top of your minimum payments to reduce your outstanding balance.

What are the differences between a payday or installment loan and a line of credit?

Like we’ve said, a line of credit loan is a type of revolving credit product. If you apply for one and get approved, you’ll gain access to a credit limit from which you can draw money from, up to your available credit as needed.

With a CC Flow Line of Credit in Alabama, you will be charged billing cycle charges based on the money that you’ve drawn, not on the total amount of your approved credit limit. If you have an outstanding balance, you’ll be required to make Minimum Payments each Billing Cycle to keep your Line of Credit account in good standing. You can request draws from your available credit so long as your account is in good standing.

With an installment or payday loan, instead of getting a credit limit, which you can draw from all at once or in smaller amounts over time, you’ll be given a lump sum of money. If you’re approved for a payday loan online, you’ll need to pay back what you owe by your next pay date. With an installment loan, your payments will be spread out over a series of scheduled payments.

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Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law License No.1004516.

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