iAdvance Line of Credit

Overview

Your paycheck covers just about everything...until it doesn't. Car trouble. A plumbing emergency. A visit to the ER. It’s happened to everyone. You think you have enough cash to cover the month, then something comes up and you wind up short. That’s why AccountNow is offering the iAdvance^SM Line of Credit from MetaBank¹. For life’s little surprises. After direct deposit is up and going on your AccountNow prepaid card², you can enroll and use iAdvance when you need a little help between paychecks.

How It Works

Sign up for an AccountNow prepaid card.
Get Direct Deposit up and going on your AccountNow prepaid card.
Enroll online for iAdvance.
Log on or call 24/7 to access your money whenever you need it.
Repayment is automatically deducted from your next direct deposit.

Key Benefits

A loan you can get (really).
Get direct deposit up and going on your AccountNow prepaid card, and you're eligible for iAdvance. Don’t have an account? Click here
Money that's just a click away.
One simple online application, and you're on your way in a few minutes. Just fill out the form and your loan will be ready for you to use it when you need it.
The loan that's ready whenever you are.
Use iAdvance to put money into your account – anytime, anywhere. Simply log on or call to use your loan whenever you need it – and avoid the hassle of disrupting your day. After all, with unexpected expenses, who has time for a time-out?
Paydays without the payback pain.
Easily access a short term line of credit through your AccountNow prepaid card. Repayment is automatically deducted from your next direct deposit – it’s that easy.
Take control of your financial life.
iAdvance also reports to credit bureaus, so you have the opportunity to improve your credit and live your best financial life.

Common Questions about the iAdvance Line of Credit

Am I eligible for iAdvance?

In order to be eligible for iAdvance, you must have direct deposit up and going on your AccountNow prepaid card. Once you have done that, enroll by filling out a simple online application. It only takes a few minutes to complete, and your line of credit will be ready whenever you need to use it.

How much can I borrow?

Once you are eligible for iAdvance, the amount you can borrow depends on the average amount of your recent direct deposit history. Once you are eligible, you can obtain your available credit limit here or by calling iAdvance customer service at 1-866-782-0986. Like other lines of credit, as you request month, your available limit will decrease. When the money is repaid, you available credit limit will be restored.

How much does it cost?

There is no cost to enroll in iAdvance. You only pay if we make you an advance, giving you peace of mind if an unexpected expense pops up at the worst time. Plus, there are no late fees or fees associated with paying your balance early. You should consult the iAdvance Terms and Conditions for specific fee information.

How do I pay back my loan?

You don’t have to do anything – payments will be automatically made from your AccountNow prepaid card. When the next direct deposit is made onto your AccountNow prepaid card, your outstanding balance and finance charge will automatically be repaid in full. Any deposits (including your paycheck or benefit-related income, tax refund or other special one-time non-repetitive deposits) will be used for repayment. If your direct deposit is not enough to repay the amount you owe, a partial repayment will be made resulting in an unpaid balance. iAdvance will take repayment of the remaining unpaid balance from any future deposits until the amount you owe is repaid in full. You should consult the iAdvance Terms and Conditions for additional repayment information.

How often can I borrow money?

You may access iAdvance in $20 increments as often as you like – up to your available credit limit. iAdvance is designed to provide access to cash quickly and when you need it most. However, since it is designed to be a short-term solution, if you use the service for more than 12 consecutive months, your credit limit will gradually be reduced.

Does iAdvance report to credit bureaus?

Yes. Loan advances and repayment performance are reported to the three major credit bureaus monthly. Managing your credit and making payments on time, especially after a period of late payment behavior, will help to raise your credit score over time. With iAdvance you don’t have to worry about getting your payment in on time – we do it for you automatically from your next direct deposit.

Need more information about improving your credit score? Visit www.myfico.com for additional tips and other information about your credit score.

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¹iAdvance is an open-end line of credit offered by MetaBank, a federally chartered savings association located in Sioux Falls, S.D. Certain fees and eligibility requirements apply. Consult the iAdvance Terms and Conditions or call iAdvance Customer Service at 1-866-782-0986 for further details.

²Cards issued by MetaBank.

© 2008 MetaBank. Patents pending. All rights reserved. iAdvance is a registered service mark of Meta Payment Systems. The MetaBank and Meta Payment Systems
name(s) and logo(s) are registered service marks of Meta Financial Group, Inc.

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AccountNow Vantage Prepaid MasterCard^® card is issued by MetaBank pursuant to license by MasterCard International Incorporated. Funds are insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC). MasterCard is a registered trademark of MasterCard International Incorporated. If you sign up for Credit Builder, your bill pay transactions will be reported to PRBC^®. iAdvance is an open end line of credit offered by MetaBank.

*The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Guaranteed Approval is contingent upon successfully passing this mandatory identification confirmation.

**Conditions and exceptions apply.

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