Advanced Line of Credit
Advia’s Advanced Line of Credit gives you flexible, affordable access to funds whenever you need them. Perfect for unexpected expenses, emergencies, home projects, or managing everyday cash flow.
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What's an Advanced Line of Credit?
An Advanced Line of Credit is a revolving credit line that gives you fast, convenient access to funds, up to a set limit, whenever you need them. Here’s what it offers:
- Borrow anytime with flexible access from $500 to $30,000
- No application fee
- Use checks or online transfers to access funds easily
- Built‑in overdraft protection for your Advia Checking Account
- Example: If you’re approved for a $5,000 line of credit, you can borrow as needed, repay, and borrow again, only paying interest on what you use.
Why get an Advanced Line of Credit?
An Advanced Line of Credit provides convenience, affordability, and peace of mind giving you confidence that funds are available whenever life throws something your way. Here’s why it may be a great fit:
- Helps meet diverse financial needs
- Offers peace of mind during unexpected expenses
- Provides flexibility and control with revolving access
- Acts as a safety net with overdraft protection benefits
How an Advanced Line of Credit works.
Easy‑to‑understand steps to access flexible, revolving borrowing power.
Apply online quickly and securely.
Receive access to a credit line (typically $500–$30,000) based on your creditworthiness.
Use checks or online transfers to borrow when needed and pay interest only on what you use.
Make monthly payments and continue to access available credit as you repay your balance.
Estimate your Advanced Line of Credit payment.
Use our loan calculator to estimate payments based on the portion of your credit line you use.
The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.
How an Advanced Line of Credit works.
Easy‑to‑understand steps to access flexible, revolving borrowing power.
Frequently Asked Questions
An Advanced Line of Credit is a revolving credit option that lets you borrow, repay, and borrow again up to your approved limit, while a personal loan provides a one‑time lump sum.
Yes. Interest is charged only on the amount you borrow from your available credit line, not on the full approved limit.
Yes. An Advanced Line of Credit can provide overdraft protection for your Advia checking account, helping cover transactions when your balance is low.
Have questions about an Advanced Line of Credit?
- Variable rate product and Annual Percentage Rate may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. APR is equal to: as low as Prime +3.75%. An increase in the index will result in an increase to your APR. Sample payment estimate of $10,000 line amount at 10.50% APR: If the full balance is utilized, 3% of the balance would result in a $300.00 payment without Debt Protection. Other restrictions may apply. All offers are subject to change at any time. All loans subject to credit approval.