Access funds when you need them most with an Online Line of Credit

Flexibility

Pay interest only for the time that you use the funds. Pay down your principal to save on interest.

Cash Advance Options

Access your funds at any time. Take out as many cash advances as you need, up to your approved credit limit.

Convenient Funding

Receive your money by having your Line of Credit loan funds directly deposited into your bank account.

An Online Line of Credit gives you ongoing access to cash, so you can borrow what you need when you need it.

Instead of receiving one lump sum like with an Installment Loan, you’re approved for a credit limit and can draw from it over time. You decide how much to withdraw, up to your limit, and you’ll only make payments on the amount you actually use. As you repay what you’ve borrowed, your available credit is restored, giving you the flexibility to use it again down the road.

It's designed to put you in control. You can request funds whenever the need comes up without going through a new application each time, as long as your account remains open. Whether it’s something planned or unexpected, you have access to funds on your terms. You’ll also have 30 days to decide if it’s the right fit for you, so you can move forward with confidence, not pressure.

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How a Line of Credit Loan Works

Apply Online

Fill out your application in just a few minutes, right from wherever you are. Upon approval, you will be provided with a credit limit which you can borrow from immediately.

Get Your Cash

Let us know what works for you by choosing your initial draw amount. Funds are typically deposited right into your bank account within one to two business days.

Manage Your Loan

Make payments based on what you've actually borrowed, so you're only paying for the amount you use, plus any interest on that amount, while keeping a clear view of your balance along the way.

Ongoing Access

As you make payments, your available credit opens back up, giving you the option to draw funds again when you need them. As long as your Line of Credit loan remains open and current, you can continue to access what’s available without starting a new application.

Line of Credit Loan Questions

Depending on approval, you may be able to access up to $6,000 with a Line of Credit Loan at Avío Credit.
As long as you have available credit and your account is current, then you can get access to it! You can request a cash advance via your online account. Your account will clearly show if you have available credit and the amount available. If you don’t have available credit, then you will have access to credit once you pay down the principal balance.
Unfortunately, this feature is not available at this time.
Nope! What you see is what you get. We don’t believe you should stress about interest rates changing on your loan. With an Avío Credit Line of Credit loan, the rate outlined in your loan agreement will stay the same throughout the entire life of your loan.
Avío Credit gives you options on repaying your personal Line of Credit. Choose from any of the following options:
- Minimum payment: Each billing cycle, all interest accrued at the end of the prior billing period, and a percentage of your principal balance will be due.
- Additional payments: You may make payments in addition to your minimum, in any amount and at any time. Repaying your account balance early can reduce your interest.
- Pay in full: You may pay your account balance in full at any time without any early payment penalties. Paying your balance in full will reinstate your full credit line.
Your loan payments include a percentage of the loan's principal balance, plus the accrued interest. Your payment due date will be outlined within your loan agreement upon approval.

Line of Credit Loan

Borrow on Your Schedule With Flexibility Built In