If you are looking to borrow money but would like more control with the flow of cash, a line of credit in Independence, Missouri is the solution for you. With Loan Ridge, you can get a line of credit of up to $1,000 and take from that what you need when you need it. And you are only charged interest on the amount that you borrow.
Quick and easy applications for line of credit.
Complete your application in just a few minutes.
Provide your digital signature with just one click.
Once approved, we deposit the money into your account.
Let's look at an example to show how a line of credit in Independence, Missouri works. In this example, the borrower is approved for a line of credit of $2,000. They have an irregular income so they don't need to take any money out in February. But in March, their income dips, so they reach into their line of credit and take out $600 for the month of March. The rest of the $1,400 is still available to them when they need it in another month. It is important to note that the borrower is not charged interest on the $2,000. They are only charged interest on what they take out. So in this example they are charged interest on the $600.
What you use your line of credit for is none of our business. Our team just makes sure you get access to extra funds whenever you need them. If you are someone who receives an irregular income (like a business owner for example), a line of credit is a reliable option for you.
Here are the benefits of a line of credit:
We're proud to help our clients achieve their financial goals through simplified personal loans.
With our easy application process, the money will be deposited automatically into your bank account.
Paying off your loan in regular installments can help you build and improve your credit score.
Loan Ridge is a state-licensed direct lender in Missouri. The loans are funded by Loan Ridge and are governed by all applicable laws.
You can count on the team at Loan Ridge. Get in touch today.
Here are the requirements for qualifying for a line of credit from Loan Ridge:
Our process is shorter than other lenders. Applicants can get approved within 5 minutes with us.
No. Our loans are only for Independence, Missouri residents.
That is your business, our goal is to provide you with the funds needed and it’s up to you how to use them.
Yes, you can. There is no limits with us – you can make additional payments or pay back the loan in full. No extra fees will be applied.
As long as you’re eligible, you can apply for a loan as many times as you’d like.
You can still apply for a loan if you have declared bankruptcy as long as your bankruptcy status is discharged and not active.
We have customers from the following cities in Missouri:
The money will be transferred directly to your bank account or through an e-Transfer.
Loan payments are made through a pre-authorized payment plan. Payments will be automatically withdrawn from your bank account each time a payment is due.
Absolutely. You can make payments earlier than your due date, or pay more during the set due date.
All communication with us is private and confidential. We pay a lot of money for information systems that aim to protect your privacy.
There are absolutely no additional or hidden fees other than the ones set in your loan agreement.
We do accept joint applications.
If your payments are up to date and in good standing you can definitely receive a loan increase or apply for another loan.
We know circumstances in life can always change. If you think you won’t be able to make a payment, please call us immediately at 1 (888) 431-0031 and we’ll work with you to find a solution.
If you were not approved for a loan, that means you may not meet some criteria. We also consider your income, the amount of debt you carry and how much credit you have access to.
As newcomers, we needed a loan to get settled. We took out a quick personal loan from Loan Ridge, which helped a lot.
I needed a personal loan to cover some of my expenses, including a new car. The application process is very easy and quick.
Thanks to Loan Ridge, I was able to consolidate all my debt into one monthly payment which helped me stay on top of my finances.
I got a $2000 loan to fix my house. Applying was extremely easy and I was approved almost instantly. Thanks, Loan Ridge.
Ready to get your line of credit and get things moving in your life? Then start your application process.