Line Of Credit -​

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Line Of Credit Details

How Does A Line Of Credit Work?

When applying for a personal Line of Credit, apply just once and receive approval up to a specific credit limit. Perfect credit not needed. Then, withdraw money as you need it up to your approved amount. You only pay interest on the money you withdraw, and the rest remains available if needed. You can payback all at once or over time.

What Is A Personal Line Of Credit?

A personal Line of Credit is an open line of available funds that you can withdraw money from as you need, allowing you to have money that is readily available.

Why Should I Get A Line Of Credit?

When the unexpected happens, a Line of Credit provides you with the money you need to handle it. Simply apply once and the funds remain available for you to draw from any time, as long as there is credit remaining in your account and your account is in good standing.

How Do I Apply For A Line Of Credit?

Applying for a personal Line of Credit from BluRayven is easy. Depending on your state, you can apply either in-office or online.

Applying Online Requires A Few Simple Steps:

  • Step 1 Choose Your Loan
  • Step 2 Provide Basic Contact information
  • Step 3 Provide Employment information
  • Step 5 Review, Sign and Submit your application

What Are BluRayven Line Of Credit Rates?

Your Line of Credit rates and fees will vary depending on the amount that you borrow. Depending on your state, you can borrow up to $5000 for a Line of Credit. Enter your zip code above to first determine if a Line of Credit is available in your state. If so, check out our Rates and Fees section to view fee examples.

How Long Does It Take To Get A Line Of Credit?

Getting a Line of Credit from BluRayven is fast, whether you apply in-office or online. The online application requires a few simple steps. If you prefer to go in-office, one of our friendly staff members can guide you through the application. Whichever option you choose, this will only take a few minutes of your time. After approval, you can withdraw money from your Line of Credit the same day. The process is quick from beginning to end.

What Line Of Credit Do I Qualify For?

There are a few factors that impact the amount you will be qualified to borrow. The amount is based on your income qualification criteria, and state laws and regulations. You do not need perfect credit to qualify.


*Online applications processed before 10:30 AM ET (Monday-Friday) may be eligible for same-day funding to your bank account. Online applications processed between 10:30 AM ET and 8:00 PM ET are typically funded the next banking day, but exceptions may apply.

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