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Kwik Cash Line Of Credit

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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As low as % APR*

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.

ATM dispensing cash icon

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

Attached to your checking account

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.

Open a Kwik Cash Line of Credit
Young couple having breakfast at home.

Heartland has been our go-to for all our banking needs for over 20 years! We tell friends and family about the great service we've received and that they knock it out of the park for us.

— Mark D., Patch Grove, Member Since 1998

How it works

Protect yourself from overdraft charges by applying for Kwik Cash line of credit today.

  • 1

    Fill out the contact form

    Click the button below and we'll contact you about your next steps.

  • 2

    Get approved

    We will review your application and notify you if you qualify for a line of credit.

  • 3

    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 July 26, 2023, is 8.50%. 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.