A personal line of credit can provide more flexible funding than other lending options, and it’s a renewable source that you can draw on as needed without having to reapply. Many lenders offer instant approval and fast funding, although you may need good credit to qualify. Compare these lenders that offer instant approval — or as near as we could find! — on personal lines of credit with a variety of credit limits and options for borrowers with a range of credit scores.
5.5 Standard
U.S. Bank offers personal lines of credit up to $25,000 and typically grants approval in less than a minute if qualified — with funding as soon as a few hours later. Rates range from 11.75% to 22.5%, potentially giving you a better rate than a credit card but with a lot more flexibility. The same rate applies for advances, balance transfers or purchases, and you can access the funds in multiple ways, including debit cards, checks, ATMs and more. You could even set up your line of credit as overdraft protection for your checking account. But you need to be an account holder with U.S. Bank to qualify, and it charges transaction fees.
| Min. credit score | 680 |
|---|---|
| APR | 11.75% to 22.50% |
| Loan amount | Up to $25,000 |
| Min. credit score | 680 |
|---|---|
| APR | 11.75% to 22.50% |
| Loan amount | Up to $25,000 |
9.2 Excellent
The LendingTree marketplace gives you instant access to lenders nationwide that offer personal lines of credit — many of which may have fast approval and funding processes. Interest rates vary by lender — and whether you opt for a secured or unsecured credit line — but could start as low as 8%. But you might need good to excellent credit to qualify, and there may be limited availability in your area.
| Min. credit score | Good to excellent credit |
|---|---|
| APR | Starting at 8% |
| Loan amount | $500 to $50,000 |
| Min. credit score | Good to excellent credit |
|---|---|
| APR | Starting at 8% |
| Loan amount | $500 to $50,000 |
If you only need a small credit line to tap into as needed, Huntington Bank offers a digital line of credit up to $500 for existing customers. If eligible, you can open it instantly online or from your mobile app — no paperwork, phone call or trip to the bank needed. It charges 5% for each transfer, but if you pay it back over three months with automatic payments, it won't charge you interest. If you need to take more time, a 1% monthly interest charge applies, which equates to an APR of 12% — far better than a credit card.
| Min. credit score | Not stated |
|---|---|
| APR | 12% on outstanding balance |
| Loan amount | $100 to $500 |
| Min. credit score | Not stated |
|---|---|
| APR | 12% on outstanding balance |
| Loan amount | $100 to $500 |
6.4 Standard
If your credit isn't the best, Elastic offers credit lines with less stringent credit requirements than many lenders, and approval and funding times are fast. Lines of credit range from $500 to $4,500, and you can opt to receive funds instantly by direct deposit or within a couple of days by check. Elastic doesn't charge interest but imposes a 10% fee on all transfers and a carried balance fee between $5 and $350.
| Loan amount | $500 - $4,500 |
|---|---|
| Turnaround time | 1+ business day |
| Online application | Yes |
| Loan amount | $500 - $4,500 |
|---|---|
| Turnaround time | 1+ business day |
| Online application | Yes |
Truist offers personal lines of credit from $5,000 to $50,000 with a fast approval process and funding as soon as the same day. Rates range from 13.19% to 17.49%, which is higher than some of the competition but still better than most credit cards. And it doesn't charge application or transfer fees. It also has a secured option if you have at least $100,000 in eligible investments or a more modest line of credit from $300 to $7,500. But if you're not a Truist client, you'll need to apply at a physical location, and you'll need excellent credit to get its lowest rate.
| Min. credit score | Not stated |
|---|---|
| APR | 13.19% to 17.49% |
| Loan amount | $5,000 to $50,000 |
| Min. credit score | Not stated |
|---|---|
| APR | 13.19% to 17.49% |
| Loan amount | $5,000 to $50,000 |
Finder loan experts compare dozens of lenders before narrowing down the best personal lines of credit in the current market, and we regularly review our selections. Factors we consider include fees, credit line amounts, interest rates, reputation and customer reviews.
Factors weighed in our methodology for the best instant approval lines of credit include:
Finder also maintains strict editorial integrity and independence. Our content and suggestions are fair, accurate and trustworthy, and our advertisers or partners don’t influence our opinions. To learn more, check out our editorial guidelines.
We currently don't have that product, but here are others to consider:
How we picked theseThe Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
Prequalifying for a line of credit is typically straightforward, and the process should be similar with most lenders — as long as they offer prequalification.
If you want to explore all your options, consider these alternatives to a personal line of credit.
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