When an unexpected bill pops up, it can be stressful. Having a plan can make things feel a little easier. An emergency fund is a great start, but sometimes you may face costs that are bigger than what you’ve saved. In those moments, having another way to get money can really help.
If you need extra money to handle an expense, an online personal loan may be one option. With a CC Flow Line of Credit in California, you may be able to qualify for a line of credit with a credit limit ranging between $250 and $3,500.
Even if applying online is new to you, the process is meant to be simple. Submitting a request for this California Line of Credit is quick and simple, and your credit agreement will clearly show your terms. If you’re approved and decide to request a draw, you may get money in your bank account as soon as the same business day*.
The CC Flow Line of Credit is made by Quill Bank, a Utah Chartered bank, located in Provo, Utah. Quill Bank 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.
Surprise costs can look different for everyone. You might need to fix your car, repair something at home, cover a medical bill, or deal with another urgent expense. In these cases, a line of credit may help you manage the cost. Here are some key things to know about a CC Flow Line of Credit.
If approved, your credit limit will range between $250 and $3,500.
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, and you otherwise meet any criteria required to request draws from your account. This could be all the funds you have available to you in that moment, or you could draw funds in smaller amounts.
If you have an Outstanding Balance, you will need to make Minimum Payments. Each Minimum Payment includes:
You can make additional payments on your Line of Credit. Log into your secure account to make a payment online. Contact our friendly Customer Care agents at 1-866-255-1668 if you have any questions.
For further details, visit the CC Flow Cost of Credit page.
The CC Flow Line of Credit is made by Quill Bank, a Utah Chartered bank, located in Provo, Utah. Requests for the CC Flow Line of Credit can be submitted through the MoneyKey website.
In order to request a CC Flow Line of Credit, you must:
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.
No, you don’t need an appointment to apply for a CC Flow Line of Credit.
If you’d like to submit a request, just click here to get started online.
The application process for this Line of Credit in California is done fully online and usually only takes minutes◆.
If you want more information or help at any point, you can call 1-866-255-1668, and someone from our Customer Care team will be happy to speak with you.
Yes, you can choose to pay more than your minimum payment.
Paying more than the minimum amount due can help you lower your outstanding balance sooner, increase your available credit, and reduce overall charges. You can make extra payments by logging into your secure online account or by calling 1-866-255-1668.
The process to request a CC Flow Line of Credit in California is built to be fast. In minutes, you can submit your request online. If you’re approved, you may be able to request a draw and have funds deposited into your bank account as soon as the same business day*.
If you’d like to learn more about when you may receive your funds and other details, you can visit the general FAQs section.
If you’re searching for a personal line of credit to help with an urgent expense, a CC Flow Line of Credit may be an option to look at.
You don’t need to visit a store or office. You can submit your request online 24/7 from almost anywhere you have internet access. That means you don’t have to wait for business hours or travel to a storefront to apply.
Credit products can affect your credit history and credit score. If your payments are reported to a credit bureau and you make them on time over a long period, this may impact your credit history.
But if you miss payments or pay late on a line of credit or personal loan, this could have a negative effect on your credit score.
No, a CC Flow Line of Credit is not a payday loan.
A payday loan is usually a short-term loan. You often need to pay it back in full by your next payday. A line of credit works differently.
If you have a balance on your line of credit, you’ll need to make at least the minimum payment each billing cycle to keep your account in good standing. Making additional payments beyond the minimum payment can help reduce your balance.
A line of credit is a kind of revolving credit. You get a credit limit, and you can draw funds when you need them, up to your available credit. You’re only charged on the amount you borrow.
If you carry a balance, you must make at least the minimum payment each billing cycle to maintain your account, and you can continue to draw from your available credit as long as your account remains in good standing.
Payday loans and installment loans work in other ways:
Each type of loan or credit has its own features and costs, so it’s important to read the terms carefully and choose the option that fits your situation best.
