Elastic Lending Loans Services
Everything included with Elastic lending loans in one place — from the revolving line of credit and fast cash advances to transparent fees, payday-matched repayment, your online account and free financial education.
Revolving Line of Credit
The Elastic line of credit is the foundation of Elastic lending loans. You're approved once for a credit limit between $500 and $4,500, then draw only what you need. As you repay principal, your available credit is restored, so you can borrow again without a new application.
- Credit limits from $500 to $4,500
- Borrow again as you repay — no new application
- Offered through Republic Bank & Trust Company
Revolving Line of Credit
Think of your limit as a ceiling, not a target — draw only what the expense requires.
Fast Cash Advances
A cash advance is how money moves from your credit line to your bank account. Sign in, enter an amount up to your available credit, review the cash advance fee and confirm. Funds are sent by ACH and often arrive the next business day.
- Fee shown before you confirm
- ACH direct deposit to checking
- Often funded the next business day
Fast Cash Advances
If you need exactly $900 in hand with a 10% fee, request $1,000 to avoid a second draw.
No-Interest, Fee-Based Pricing
Elastic lending loans don't charge interest. Instead, each draw carries a cash advance fee — typically 5% or 10% — and a carried-balance fee of $5 to $350 applies on each due date while your principal is above $10. There are no application, annual or prepayment fees.
- $0 interest
- Cash advance fee typically 5% or 10%
- Carried-balance fee $5–$350 per cycle
No-Interest, Fee-Based Pricing
The carried-balance fee is the one you control — paying principal faster lowers it.
Payday-Matched Repayment
Payments follow your pay schedule — bi-weekly, semi-monthly or monthly. Minimum principal is the greater of $50 or 5% of your balance on bi-weekly and semi-monthly schedules, or $100 or 10% on monthly schedules, plus that cycle's carried-balance fee.
- Bi-weekly, semi-monthly or monthly
- AutoPay, online or mail payments
- No prepayment penalty
Payday-Matched Repayment
Add even $25 of extra principal each payday to shorten how long you carry a balance.
Cost & Payoff Calculator
Our free Elastic lending loans calculator estimates the cash advance fee, minimum payments, carried-balance fees and the number of paychecks to reach $0 — so you can see the full cost before you draw.
- Estimate fees for any draw
- See payments to $0
- Model extra-principal savings
Cost & Payoff Calculator
Run it twice — once with $0 extra and once with $25 extra per payment — and compare total fees.
Online Account & Mobile Access
There are no branches to visit. Your secure online dashboard lets you check available credit, request cash advances, manage AutoPay and one-time payments, and download statements 24/7 from any device.
- Real-time available credit
- Request draws and schedule payments
- Statements and your agreement
Online Account & Mobile Access
Never share one-time codes — legitimate support will never ask for them.
Financial Education
The best outcome of using Elastic lending loans is needing them less over time. Free guides on budgeting, emergency savings, credit and scam prevention help you build a stronger financial cushion.
- Paycheck-based budgeting
- Emergency savings plans
- Credit and scam-prevention basics
Financial Education
Saving $20 per paycheck builds a $520 cushion in a year.
Elastic Lending Loans Services: Common Questions
What services are included with Elastic lending loans?
Elastic lending loans include a revolving line of credit from $500 to $4,500, cash advances deposited by ACH, fee-based pricing with no interest, payday-matched repayment, an online account and free financial education resources.
Do I need to apply separately for each Elastic service?
No. One application opens your line of credit. Cash advances, repayment tools and your online account are all part of the same account.
Which Elastic service should I start with?
Start by checking your credit line. Once approved, use the calculator to plan a draw, request only the cash advance you need and set up AutoPay matched to your payday.
Get Every Service With One Application
Check your credit line in about five minutes — limits from $500 to $4,500, no interest and fees shown before you draw.
Requesting credit does not guarantee approval. Not available in all states.