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Lines of Credit in California up to $15,0001

With the flexibility of a Line of Credit, you can borrow what you need, when you need it5. Transparent rates, no surprises, and the space to plan your next step.

Checking your eligibility has no impact on your credit score4.

Online Loan Details

Credit Limit: $500 to $15,000
Loan Type: Line of Credit
Funding Time: Same Business Day2

Checking your eligibility has no impact on your credit score4.

Applying for a Personal Line of Credit in California

Financial setbacks can happen to anyone, but you shouldn’t be defined by them. With clear terms and a fast process, the FreshLine Line of Credit can help give you the breathing room to take your next step. If approved, you could get access to the money you need as soon as the same business day2.

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request funds, repay and redraw as needed from your available credit5.

Why choose a Line of Credit?

A line of credit lets you borrow money as long as you have available credit, which gives you flexibility that you wouldn’t get with a traditional installment loan. With an installment loan, you borrow a set amount and repay it over a fixed schedule.

With a line of credit, as you pay down your balance, that credit becomes available again, allowing you to borrow on a revolving basis. This flexibility means you can draw funds when you need them.

Access to Funds

  • Applying online for this Line of Credit is fast and simple. It only takes minutes.
  • Request the amount you need, from your available credit.
  • You could see money in your bank account as soon as the same business day2.

Dedicated Support

  • Our Customer Service team is here 7 days a week and happy to help.
  • We’re ready to answer your questions about the loan products offered through the CreditFresh website.

Online Convenience

  • Have access to a secure online platform to review information about your Line of Credit account.
  • Request funds and make payments all online.

Checking your eligibility has no impact on your credit score4.

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The Details

How does a FreshLine Line of Credit in California work?

From Los Angeles to San Diego to Sacramento, unexpected costs can pop up anywhere. When they do, you don’t have to handle them on your own. If your savings won’t cover everything, a FreshLine Line of Credit might give you the short-term help you need.

Through CreditFresh, you can request an online Line of Credit in California with a credit limit from $500 up to $15,000. If approved, you can borrow from your available credit and could see the money in your bank account as soon as the same business day2.

You can get started online by clicking here.

Credit Limit $500 to $15,0001
Making a Draw You can withdraw money all at once, or in smaller amounts from your available credit, so long as your account is in good standing5. Funds may be deposited into your bank account the same business day2.
Credit Limit
$500 to $15,0001
Making a Draw
You can withdraw money all at once, or in smaller amounts from your available credit, so long as your account is in good standing5. Funds may be deposited into your bank account the same business day2.

Repayment of Your Line of Credit in California

Repaying your online loan in California on time is one of the steps you can take to stay on top of your finances. If you're using a personal Line of Credit through CreditFresh, understanding how repayment works is key to staying on track.

If you have an outstanding principal balance – meaning the principal amount you currently have outstanding on your Line of Credit – you’ll need to make Minimum Payments. Each Minimum Payment is made up of a Mandatory Principal Contribution and Interest.

To learn more about the Cost of this Line of Credit, click here.

Reducing the overall cost of borrowing.

If you make more than your Minimum Payments, you can lower the total interest you may pay. Try to make extra payments or pay the full balance when you can. There’s no penalty to pay more - log into your account to make payments online using most debit or prepaid cards, or by calling us at 1-800-766-2007.

Checking your eligibility has no impact on your credit score4.

What are the minimum eligibility requirements to qualify for a FreshLine Line of Credit in California?

check_circle Be 18 years or older
check_circle Be a US citizen or a permanent resident
check_circle Be a resident of California
check_circle Have an active personal bank account
check_circle Have a consistent source of income
check_circle Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have rates that would meet the requirements applicable to lending to covered members of the US Armed Forces and their dependents.

Checking your eligibility has no impact on your credit score4.

Frequently Asked Questions

Our Customer Support and FAQs provide valuable resources to assist you throughout the loan process. You can reach us 7 days a week for any questions related to loan products offered through the CreditFresh website. Here’s a look at our most common FAQs:

Our bank partners consider the bigger picture, not just your credit score. Even those with less-than-perfect credit may still qualify.

No, checking eligibility will not impact your credit score with the major credit bureaus. If your application for credit is approved, your account activity may be reported to TransUnion.

You’ll just need to provide basic personal information and banking details so we can verify your identity and confirm your income. The process can be completed online.

If we need more information to finish your application and we can't confirm certain details online or over the phone, we may ask for certain documents to help us verify your info.

Some examples of what we might ask for are:

  • Proof of bank account (e.g. void check)
  • Proof of identity (e.g. driver’s license)
  • Proof of income (e.g. bank statement)
  • Proof of residence (e.g. utility bill)

Any documents you share—like bank statements or pay stubs—need to be less than 30 days old.

If you're sending ID, make sure it's not expired.

Protecting your information is a top priority. We work with trusted third-party providers like Flinks and DecisionLogic that use bank-level encryption and strict security standards.

  1. Your login credentials are never seen, stored, or shared with CreditFresh or our Bank Lending Partners.
  2. We do not have access to your username or password.
  3. The connection is read-only, which means we can only view the specific information needed to verify your account — nothing else.

This allows us to review your application securely while ensuring your information is private and protected.

We’re here to help!

If you’d like to learn more about how the FreshLine Line of Credit in California works or need help with your application, our team is ready to lend a hand. You can also visit our general FAQs page to find more information about this Line of Credit.