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Borrow / Emergency Line of Credit

More breathing room when life happens

Keep a Kwik Cash Emergency Line of Credit available for unexpected costs. Use only what you need, when you need it.

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How Kwik Cash Works

Set it up before you need it, then borrow, repay, and reuse your available credit as life happens.

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Apply Once

Set up your credit line ahead of time, so you don’t have to start over when an unexpected cost comes up.

  • One application for a revolving credit line
  • No need to borrow until you need it
  • Real people available to answer your questions

Use What You Need

Use part of your available credit for an unexpected bill, a repair, or when your checking balance comes up short.

  • Borrow only the amount you need
  • Pay interest only on the amount you use
  • Option to link the credit line to your Linden checking

Repay and Reuse

As you pay down what you borrowed, that credit becomes available to use again when another expense comes up.

  • Monthly payment based on what you borrow
  • What you repay becomes available again
  • Use available credit again without reapplying
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Why members turn to Linden

When an unexpected cost comes up, the last thing you need is more pressure. We’ll take time to listen and help you decide whether Kwik Cash makes sense for your situation. Here, you’ll find:

  • A practical alternative to high-cost short-term borrowing
  • Your rate, monthly payment, and total borrowing cost explained upfront
  • Loan decisions made by people right here
  • Online convenience with real help when you want it
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From Our Community

The team was super helpful and courteous in guiding us through a family emergency. Even though we live overseas, they provided us with timely, personalized attention that we will be forever grateful for.

  • Tom B
  • Linden CU Member

Kwik Cash Line of Credit Rates

Rates effective as of October 08, 2026.
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Loan TypeAPR1 as low as
Kwik Cash Emergency Line of Credit (variable rate – changes quarterly to Prime Rate) 12.90%

1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.

Kwik cash line of credit questions, answered.

What’s a Kwik Cash Emergency Line of Credit?

Kwik Cash is a revolving line of credit you can use when an unexpected expense comes up. Unlike a personal loan that provides one amount upfront, you can borrow from your available credit as needed.

Do I pay interest on the full credit line?

No. You pay interest only on the amount you actually borrow, not the full amount available to you. Your rate is variable, which means it may change over time.

How are my monthly payments calculated?

Your minimum monthly payment is based on the balance you’ve borrowed. We’ll explain how that payment is calculated, along with the current rate and borrowing cost, before you open the line of credit.

Can I use my credit line more than once?

You bet! As you repay what you’ve borrowed, that credit generally becomes available to use again, up to your approved limit. You won’t need to submit a new loan application each time.

Wherever you’re starting, we’ll start there with you.

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