LINE OF CREDIT

$200–$400
with room
to grow

A flexible credit line that can stretch to $1,000 over time.*

Get Started
flat tire illustration
Tilt app Line of Credit screen displaying $400 qualification with growth potential, no credit score minimum, and no-interest repayment option. Tilt app Line of Credit screen showing active credit line management with balance tracking and transaction history. Tilt app Line of Credit limit increase screen showing $100 increase from $400 to $500 to reward for on-time payments.

300K+

Customers

<3 minutes

To get cash with optional instant delivery

3

Repayment options

All credit
scores welcome

A credit score isn't your whole story. Link a bank account to show real-time money habits and if you're ready for credit.

Tilt Line of Credit issued by FinWise Bank.

A stack of cash.
Step 1

Qualify with no minimum credit score

Download the Tilt app and check your eligibility in minutes.

An unlocked lock.
Step 2

Draw as needed from your credit line

Start with $200-$400 and grow to $1,000 with on-time payments.*

A slinky.
Step 3

Repay with flexibility

Choose a repayment plan and build positive payment history.

Pay your way

Pick from 3 ways to pay
— on-time payments are key to building positive payment history.

1

Repay and skip the interest

When you choose to pay on your next paycheck date, 35.99% otherwise.^

Tilt app Line of Credit payment schedule screen showing automatic repayment on the next paycheck date with 0% APR.
2

Repay in installments

Split between 2 or 4 payments at 35.99% APR.^

Tilt app Line of Credit screen displaying flexible payment options with paycheck-based split payments in 2 or 4 and custom date selection.
3

Repay with more flexibility

Choose your own repayment date at 35.99% APR.^

Tilt app Line of Credit screen showing flexible custom repayment date calendar with user-selected payment scheduling

Your credit
building blocks

GET STARTED

Never miss
a due date

Use MinPay to automatically schedule required payments.

Build positive
payment history

We’ll report your payments to the credit bureaus.

Track
your score

Watch your credit building progress in the Tilt app.

OUR CUSTOMERS
“Easy to understand and quick funding.”

Stephen W. January 2025

“Fast payout, convenient scheduling to pay back, Line of Credit is a game-changer!”

Brenda S. December 2024

“They have helped me in clutch situations and I simply pay them back on my next pay period. Very good app and I have told several friends. Thank you [Tilt].”

Jason H. February 2025

Questions?
Answers.

There’s no impact to your credit score to apply for a Line of Credit. If you’re not approved right now, a Cash Advance may be a better fit.
A Tilt Line of Credit is not a credit card. With a Line of Credit there’s no hard credit check to apply, no minimum credit score, and no plastic in your wallet. Instead, you can draw from your line directly into your bank account and spend just like cash, with the opportunity to build positive payment history when used responsibly.
Yes! We partner with Plaid to protect your personal information with secure encryption through the bank linking process.
Your Line of Credit payments are reported to the credit bureaus. Making consistent, on-time payments can help you build good payment history.

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