Cash on tap: draw, repay, draw again.
An approved limit of $300 to $1,500 to start, growing up to $5,000. Advances hit your debit card in as fast as an hour, and you pay a flat fee only for the cycles you carry a balance. No interest, no set end date.
Official CC Flow Rates and Terms, v.2 (effective Aug 14, 2025). Pay below $25 before a cycle closes and that cycle's fee is $0.
One billing cycle, start to finish.
Your cycle is bi-weekly or monthly, matched to how you're paid. The fee is set by one number: your balance at the moment the cycle closes.
Draw
First advance from $25, then as little as $1, straight from your account. Debit card advances arrive in about an hour.
Use it
Nothing accrues day by day. Whether you hold the balance one day or the whole cycle, the fee is the same.
Cycle closes
Your balance is checked against the $25 bands. $0–$25 = no fee. $500 = $45 bi-weekly. $1,000 = $93 bi-weekly.
Pay and repeat
The statement shows the fee plus a minimum. Pay the full balance to stop fees, or keep drawing as you repay; the line stays open.
The fee ladder, band by band.
Seven balances from the official schedule. Fees step in $25 bands, roughly 9¢ per dollar bi-weekly or 20¢ per dollar monthly.
Fee-based is not the same as low-cost: $200 a month on $1,000 is about 20% per month, comparable to a triple-digit APR. Treat CC Flow as bridge money, not a balance to carry for months. Full cost breakdown
From $300 to $5,000, on your record.
The highest limit at opening is $1,500, and most first-time customers are approved for less. Lendly reviews open accounts on a recurring basis; draw responsibly and pay on time and you can be offered increases with nothing to reapply for. You'll get an email when your line grows.
Increases are at the bank's discretion and depend on your payment history. The maximum published balance band is $4,975.01–$5,000.
Open a line
Line of credit or installment loan? Pick the shape of your need.
CC Flow
Best for smaller or unpredictable needs you can clear within a cycle or two.
- $300–$1,500 to start, grows to $5,000
- Advances in as fast as 1 hour
- Flat fee per cycle, no interest
CC Connect
Best for one known expense of $1,000–$2,000 you want on autopilot for about a year.
- Fixed amount, fixed schedule
- Repaid from your paycheck
- Funded in as fast as 24 hours
CC Flow questions, answered.
How much can I get with a CC Flow line of credit?
Lines open at $300 to $1,500. Accounts in good standing are reviewed periodically for increases, with published pricing extending up to a $5,000 balance.
How fast can I get an advance?
As fast as one hour to a debit card. Standard bank transfers take about one business day. The first advance must be at least $25; after that you can draw as little as $1.
Does CC Flow charge interest?
No. It charges a flat fee each billing cycle based on the balance you carry at the cycle close, in $25 bands. A $500 balance costs $45 bi-weekly or $97 monthly; $1,000 costs $93 or $200. Carry $25 or less at close and the fee is $0.
Is a fee-based line cheaper than the installment loan?
Not automatically. $200 a month on a $1,000 balance is about 20% of the balance per month, comparable to a triple-digit APR. It's cheaper only if you pay balances down quickly, ideally before each cycle closes.
What happens if I only pay the minimum?
Each statement's minimum includes the cycle fee plus a portion of principal. Paying only the minimum keeps the account open but resets the fee every cycle, so the balance shrinks slowly. Paying the full balance stops the fees.
Is there a credit check?
Yes, as part of the application, but it's one factor among several. You can preview a prequalified offer first.
Need a cushion that refills? Open a line in five minutes.
See your limit and the fee for any balance before you draw a dollar.