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Personal attention. Personal solutions.

QuickCA$H Line of Credit

Set up your line for on-demand access to affordable cash

QuickCA$H is a personal line of credit that offers access to affordable funds with a revolving spending limit. Draw on as much of your line as you need, when you need it and pay interest on what you borrow. Your line then replenishes up to the original limit as you pay it off—similar to a credit card, but without the high interest rates—so you don’t have to reapply to access the funds again.

QuickCA$H features

  • Line amounts range from $500 to $15,000
  • Competitive, fixed 12.25% APR* interest rate
  • No application fee
  • Only make payments on what you borrow^
  • Same-day decisions (in most cases)
  • No annual fee
  • Fast, easy access to funds


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Ways to use QuickCA$H

Whether you’re planning a major expense or want the peace of mind that you can cover unexpected costs quickly, this convenient personal line of credit has you covered. Use your line as a low-cost way to pay for:

  • High-interest debt consolidation
  • Overdraft protection for your checking
  • Home repairs
  • Emergencies
  • Weddings and other celebrations
  • Travel and vacations
  • And more

Personal Loans and Lines

Rates effective starting: December 5, 2024

Loan Type APR1 Maximum Term Monthly Cost per $1,000
Personal Loan (as low as) 10.99% 60 months $21.75
Personal Loan (as low as) 11.24% 72 months $19.04
QuickCA$H Line-of-Credit 12.25%
Certificate Secured Certificate Rate +3.00% 60 months Varies

1APR = Annual Percentage Rate. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account. APR is 0.25% higher without automatic payment. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time. 

FAQs

Revolving credit is a line of credit that allows borrowers to borrow money on an as-needed basis up to a certain approved limit, repay the amount borrowed and then borrow it again. Unlike an installment loan, where a set amount of funds is disbursed to you at once and you pay it back with regular, fixed payments, you can borrow as little or as much of the limit as you choose.

A revolving line of credit allows you the flexibility of choosing how much of your limit you want to borrow and when you’d like to borrow it. You don’t need to reapply each time you want to draw additional funds from your line of credit.

Eligibility for a loan or line of credit through Ardent is based on several factors, including your credit score, credit usage, payment history and ability to repay the loan. You must also either already be or be eligible to become a member of Ardent Credit Union.

Be prepared to supply personal information to confirm your identity as well as financial information such as gross monthly income and employment status on your application.

You can draw on your funds by advancing it to your Ardent checking account and either withdrawing cash at thousands of surcharge-free ATMs in our nationwide network, writing a check or by using your Ardent Visa® debit card.

No. Once established, your line is available for you to use without a set draw period or term.

Tools & Resources

*APR=Annual Percentage Rate

^Personal Line of Credit: Monthly payment is 2.70% of outstanding balance or $108.00, whichever is greater. Rates current as of January 4, 2024, and are subject to change based on market conditions and borrower eligibility. The minimum approved loan amount is $500.