Members get overdraft protection with an On Demand Credit Line, (aka Personal Credit Line). Learn more about consumer loans at VSECU & apply online! What's the difference between a loan and a line of credit? Here's how the personal loan products differ, what they're used for and how to pick the loan that's right for you. Line of Credit Loans. When it comes to unpredictable expenses, life can throw curveballs. Let us help you knock them out of the park. Get the convenience of readily available funds with a Line of Credit loan. A line of credit gives you the chance to have easy access to extra side money whenever you need it and you only need to apply once. If approved, you can access your funds up to your credit limit. Apply for a line of credit with MoneyKey today! Credit Union 1 has competitive rates for your new home or refinancing your existing residence including Mortgage Loans, Home Equity and Line of Credit Loans. The Balance / Maddy Price. A line of credit is a pool of available money that you can borrow from as you need it, something like a credit card. You can spend the money after you've been approved, but you don't have to borrow it or pay interest until you do access the funds. Line of credit loans from Speedy Cash offer quick loans with flexibility. Apply once & get unlimited cash advances up to your credit limit. Even if you don't need a loan constantly, you may need immediate access to cash that you don't already have. If you expect to be in need of quick cash frequently, here's a list of the best personal line of credit currently available in Singapore for your comparison. Your actual annual percentage rate (APR) may be higher than the rate shown. At least 10% of approved applicants qualified for the lowest rate available based on data from to . Line of Credit loans are available to Natco members like you to provide a flexible way to get extra cash when you need it.