Always have your purchases covered with Kwik Cash
Sometimes you need extra cash to cover an expense that's more than your checking account balance and a Kwik Cash line of credit can help you avoid fees for insufficient funds.
Today's Kwik Cash Line Of Credit rates
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Attached to checking account
This line of credit is attached to your checking account so funds will automatically transfer to cover purchases that exceed your checking balance.
Easy access
The application for Kwik Cash is fast, simple, and receiving funds can happen right away once approved. Plus, you will be able to manage your payments directly in digital banking.
Avoid overdraft fees
If you have a sudden expense that exceeds your checking account balance, Kwik Cash can temporarily cover the difference and protect you from non-sufficient fund (NSF) fees.
Cash advance option
You can transfer Kwik Cash funds to another account and withdraw those funds as physical cash without a cash advance fee.
Simple to repay
Paying back the funds you use can be as simple as setting up automatic monthly payments from your replenished checking or savings account.
Automatic coverage
Avoid the embarrassment and problem of rejected or returned payments. Funds (up to your Kwik Cash line of credit limit) are automatically moved to your checking account when needed to cover a purchase or payment.
Estimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
Kwik Cash can save the day when it comes to overdraft fees
Save money by avoiding overdraft fees when you sign up for a Kwik Cash line of credit. As long as the deficit between your purchase and checking account balance is less than the Kwik Cash amount you are approved for, your purchase will be covered.
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1
Fill out the contact form
Click the button below and we'll contact you about your next steps.
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2
Get approved
We will review your application and notify you if you qualify for a line of credit.
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Cover insufficient funds
Once approved, you can use Kwik Cash to cover checking account overdraft expenses.
Worry less about checking account NSF fees
Regardless if you have a sudden expense that drains your account or you miscalculate your purchase total, the overdraft on your account can be covered automatically with Kwik Cash.
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*Kwik Cash has a variable rate that is tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of September 18, 2024, is 8.00%. Kwik Cash rate is currently Prime + 11.50% with the highest rate being 18.00%. See Heartland for more information including different rates and some fees.
Rates
Personal Loan Rates
| Product | Term | APR as low as* |
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Kwik Cash Line of Credit |
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Personal Loans |
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Rates effective as of: December 25, 2024
*APR is Annual Percentage Rate. Unsecured personal loan rates range between 11.49% - 22.49%. Rates and terms are subject to change and are based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $32.97 per $1,000 (payment example is based on 11.49% APR and a term of 36 months). **Kwik Cash has a variable rate that is tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of November 8, 2024, is 7.75%. Kwik Cash rate is currently Prime + 11.50% with the highest rate being 18.00%. See Heartland for more information including different rates and some fees.
All features
Affordable rates
The interest applied to your line of credit is lower than other financial institutions, so paying back what you owe will cost less.
Reported to credit bureaus
Each on-time payment you make will contribute to positive reports to the credit bureaus, which can help build or maintain stronger credit scores.
Functions as line of credit
Unlike a loan, this borrowing option only charges interest on what you borrow so you do not spend too much money when repaying.
Open a Kwik Cash Line of Credit
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