Dealing with an emergency expense is always challenging, so it's crucial to be prepared. Having an emergency fund is one of the best ways to deal with unexpected costs, but depending on your financial situation and the nature of the expense, you might need an alternative plan.
If you need some financial help, an online personal loan could be a useful option. With a CC Flow Line of Credit in Ohio, you may be able to qualify for a personal line of credit with a credit limit between $500 to $3,500.
The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. CC Flow maintains control over loan origination, underwriting approvals, and regulatory and compliance oversight management. The CC Flow Line of Credit is available through MoneyKey, an authorized servicer.
Borrowing money online can seem intimidating if you haven’t done it before, but it doesn’t have to be. Applying for this Ohio Line of Credit is quick and easy, with a straightforward process and the terms clearly laid out in the credit agreement. If approved, you may be able to have the funds deposited from CC Flow into your bank account on the same business day that you request a draw*!
Emergency situations can be different for everyone, but some are more common than others. This could be things like surprise car repairs, essential home maintenance, or an unexpected emergency room visit. No matter what specific challenge you’re facing, a line of credit can help you manage your emergency expenses. Here are some key details about the CC Flow Line of Credit.
If approved, your credit limit will range between $500 and $3,500.
If you’re in need of funds, you can withdraw however much money you need from your available credit, as long as your account remains in good standing. This could be all the funds you have available to you in that moment, or you could draw funds in smaller amounts.
If you have an outstanding balance on your account, you will need to make a Minimum Payment for each Billing Cycle.
Your Minimum Payment will be made up of two components:
You can always make additional payments on your Line of Credit. Log into your secure account to make a payment online. Contact a friendly Customer Care agent at 1-866-255-1668 if you have any questions.
If you have an outstanding balance, you will be charged a Billing Cycle Charge each billing cycle based on the Average Daily Principal Balance that appears on your periodic statement. A portion of each Minimum Payment will always contribute to paying off your principal balance.
For further details, visit the CC Flow Cost of Credit page.
The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. Requests for the CC Flow Line of Credit can be submitted through the MoneyKey website.
In order to request a CC Flow Line of Credit, you must:
Please note that currently, no credit products offered through MoneyKey have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.
You don't need an appointment to apply for a CC Flow Line of Credit. To start your application, simply click here. Submitting a request for this Line of Credit in Ohio online is quick and easy, taking just a few minutes to complete◆.
For more information about the process, call us at 1-866-255-1668, and our Customer Care team will be happy to assist you.
Yes, you can. In fact, maintaining your account in good standing and making extra payments can help you reduce your balance, increase your available credit, and decrease your charges. To make additional payments, log into your secure online account at any time or call 1-866-255-1668.
With a CC Flow Line of Credit in Ohio, the application process only takes a few minutes, and if approved, you can request a draw and potentially receive your funds from CC Flow the same business day*. For more details about funding times, check out the general FAQs section.
If you need a personal line of credit to handle an emergency expense, a CC Flow Line of Credit could be the solution for you. You can submit a request from anywhere with internet access; the process is quick and straightforward. Since you can apply for this online Line of Credit 24/7, there's no need to worry about travel time or business hours!
If your payments are reported to a credit bureau and you've consistently made them on time over a relatively long period, it may impact your credit history. Having said that, missing or making late payments on your line of credit or personal loan may negatively impact your credit score.
No, this product is different to a payday loan. An online payday loan is a kind of short-term personal loan that must be repaid by the time your next pay date comes around. In contrast, an online line of credit works differently.
When it comes to a line of credit, you won't need to repay the borrowed amount by your next payday. Typically, a line of credit is an open-ended loan requiring you to make minimum payments each payment cycle if you have an outstanding balance, to keep your account in good standing. It's advisable to make additional payments beyond the minimum to reduce your outstanding balance faster.
As mentioned, a line of credit falls under the umbrella of a type of revolving credit. If you apply and are approved, you'll receive a credit limit from which you can draw funds as needed, up to your available credit.
With a CC Flow Line of Credit in Ohio, you’ll be charged billing cycle charges based on the amount you’ve drawn, not on your total approved credit limit. If you have an outstanding balance, you must make Minimum Payments each Billing Cycle to keep your Line of Credit account in good standing. You can request draws from your available credit as long as your account remains in good standing.
In contrast, with an installment or payday loan, you receive a lump sum of money rather than a credit limit. If approved for a payday loan, you must repay the amount by your next pay date. With an installment loan, your repayment is spread out over a series of scheduled payments.
