{"id":1981,"date":"2023-11-17T10:00:00","date_gmt":"2023-11-17T10:00:00","guid":{"rendered":"https:\/\/www.lendnation.com\/?p=1981"},"modified":"2025-07-28T19:55:28","modified_gmt":"2025-07-28T19:55:28","slug":"what-is-a-line-of-credit","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/what-is-a-line-of-credit\/","title":{"rendered":"What is a Line of Credit?"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2023-11-17T10:00:00+00:00\">November, 2023<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">What is a Line of Credit?<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/10\/line-of-credit.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"what is a line of credit and how to use a personal line of credit\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/10\/line-of-credit.jpg 6720w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/10\/line-of-credit.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/10\/line-of-credit.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/10\/line-of-credit.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/10\/line-of-credit.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/10\/line-of-credit.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/10\/line-of-credit.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-flow wp-block-group-is-layout-flow\">\n<p>When you need a little extra cash, there are lots of ways to borrow money. Many people&nbsp;turn to a <a href=\"https:\/\/www.lendingtree.com\/credit-cards\/credit-card-debt-statistics\/\">credit card<\/a> to cover a financial emergency. Others may borrow from a friend or family member. When those options aren\u2019t available to you, you may consider a personal line of credit.<\/p>\n\n\n\n<p>A personal line of credit can help when you need to borrow a larger amount of money to pay off over a longer amount of time. A lender offers an approved limit, that you can use when and how you choose. You also make monthly payments rather than paying it all back at once.<\/p>\n\n\n\n<p>When it comes to taking on any debt, you should know whether it\u2019s the right fit for your situation. Read on to learn more about personal lines of credit, how they can be used, how to apply, and more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-can-a-line-of-credit-be-used-for\">What Can a Line of Credit Be Used For?<\/h2>\n\n\n\n<p><br>For the most part, how you use a line of credit is up to you. That\u2019s one of the great things about this type of loan \u2014 you can use it to cover almost any expense, and you pay interest only on the amount you\u2019ve taken, not the amount you are approved for.<\/p>\n\n\n\n<p>This is where a personal line of credit differs from a personal loan: a loan gives you one total amount of money all at once. It accrues interest at a fixed rate, and you begin repaying a fixed amount each month.<\/p>\n\n\n\n<p>With a personal line of credit, you only pay interest on the credit you use. If you don\u2019t end up taking the entire amount, your repayment is only based on what and when you take it.<\/p>\n\n\n\n<p>With this difference, a personal line of credit is often a good choice when you don\u2019t know how much you will need or when you will need it. This includes things like home improvements, medical bills, car repairs, or other expenses that are subject to change.<a><\/a><a> <\/a><a href=\"#_msocom_5\">[KH5]<\/a>&nbsp;<a href=\"#_msocom_6\">[KH6]<\/a>&nbsp;A personal loan may be better for one-time expenses that are clearly defined.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-get-a-line-of-credit\">How to Get a Line of Credit<\/h3>\n\n\n\n<p>To apply for a personal line of credit, you will need to provide a current US-issued photo ID, a bank statement from within the last 30 days, an active checking account, and a current phone number and email address.&nbsp; You will also need to provide proof of income. Since your credit history is only part of the deciding factor, even if you have less-than-perfect credit, you can still qualify.&nbsp; We accept all credit types at LendNation.<\/p>\n\n\n\n<p>One of the great things about applying for a loan through LendNation is we will tell you right away if you\u2019re approved. We also take the stress out of the application by making sure the process is quick and easy.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-why-should-you-apply-for-a-personal-line-of-credit-with-lendnation\">Why should You Apply for a Personal Line of Credit with LendNation<\/h4>\n\n\n\n<p>We realize that sometimes your financial emergency calls for emergency funds. LendNation makes sure you know you have options available. Specifically with a personal line of credit.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>We know you might need cash quickly. <\/strong>We get you the cash you need with a variety of solutions. We also offer options in-store and online, making it easy for you to get the cash you need the simplest way for you.<\/li>\n\n\n\n<li><strong>We understand you.&nbsp; <\/strong>We understand that not everyone has the cash they need for whatever the reason. We also understand not everyone has perfect credit. Every cash need is unique and we\u2019re here to work with you to get the money you need now.<\/li>\n\n\n\n<li><strong>We\u2019re in it with you. <\/strong>We want to help give you the confidence and security to overcome your daily financial challenges.&nbsp; Whatever the reason, we can help.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-look-into-a-lendnation-loan-first\">Look into a LendNation Loan First<\/h2>\n\n\n\n<p><a><\/a>If you\u2019re looking for cash to cover an unexpected expense, a personal loan from LendNation may be the right choice for you. LendNation has a number of loan options that can provide funds even if you have <a href=\"https:\/\/www.lendnation.com\/blog\/article\/getting-a-loan-with-no-credit-history\">low or no credit history<\/a>. And with our quick approval and same-day funds, you can get what you need to have control over your financial future.<\/p>\n\n\n\n<p>View LendNation\u2019s <a href=\"https:\/\/www.lendnation.com\/\">loan options near you<\/a>, or visit one of our <a href=\"https:\/\/www.lendnation.com\/location\/\">store locations<\/a> today.<\/p>\n\n\n\n<p><strong>Resources:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lendingtree.com\/credit-cards\/credit-card-debt-statistics\/\"><strong>https:\/\/www.lendingtree.com\/credit-cards\/credit-card-debt-statistics\/<\/strong><\/a><strong><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/www.cnet.com\/personal-finance\/credit-cards\/advice\/personal-lines-of-credit-how-they-work-and-when-to-use-them\/\"><strong>https:\/\/www.cnet.com\/personal-finance\/credit-cards\/advice\/personal-lines-of-credit-how-they-work-and-when-to-use-them\/<\/strong><\/a><strong><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/getting-a-loan-with-no-credit-history\"><strong>https:\/\/www.lendnation.com\/blog\/article\/getting-a-loan-with-no-credit-history<\/strong><\/a><strong><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/location\/\"><strong>https:\/\/www.lendnation.com\/location\/<\/strong><\/a><strong><\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" id=\"h-explore-related-posts\" 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https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/missouri-title-loans-guide\/\" target=\"_self\" >Everything You Need to Know About Missouri Title Loans<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Personal lines of credit are a flexible way to borrow money. Read this blog to learn what they are, how they work, and how they can help you manage finances.<\/p>\n","protected":false},"author":18,"featured_media":1990,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40],"tags":[116,117],"class_list":["post-1981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","tag-line-of-credit","tag-what-is-line-of-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is a Line of Credit? - LendNation<\/title>\n<meta name=\"description\" content=\"Personal lines of credit are a flexible way to borrow money. 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