Name: Large plan
Brand: Line
SKU: uspdl-9029-2
Price: 1000.00 USD
Availability: InStock

We have developed for you a convenient company page for Line in the US . Here you can learn more about the company, get acquainted with its credit products, read the rules for the provision of services, watch video instructions, read customer reviews and leave your own one. Pay attention to our bonus system.

About lender

Useline (also known as Line) is a digital lender headquartered in San Francisco Bay area, California. The company offers personal loans to consumers who are looking for an alternative to traditional banks. Useline uses technology to streamline the loan application process and provide a seamless borrowing experience.

According to the company's website, Useline was founded to provide consumers fair and transparent lending options. The company aims to make it easy for people to access the funds they need without the hassle and complexity that can be associated with traditional lending institutions.

Useline offers quick loans ranging from $20 - $1,000 instant cash without interest or credit checks, with up to 3 months of repayment terms.

To apply for a loan with Useline, borrowers can simply fill out an online application on the company's website. The application process is designed to be fast and easy, with most borrowers receiving a decision within minutes. If approved, funds can be deposited directly into the borrower's bank account within one business day.

Overall, Useline is a modern lending option for consumers who are looking for a streamlined borrowing experience. With its focus on transparency and fairness, the company aims to provide a better alternative to traditional banks and lenders.

Line Financial

Key Features

Some of the key features of Useline include:

Quick and easy application. The application process for a Useline instant cash advance is fast and easy, with most borrowers receiving a decision within minutes.
Digital lending platform. Useline is a digital lender, meaning borrowers can complete the loan process online without visiting a physical branch.
No interest. Useline's personal loans have fixed interest rates, which means that borrowers know exactly what their monthly payments will be throughout the life of the loan.
Loan amounts up to $1,000. Useline offers personal loans ranging from $20 to $1,000, with repayment terms of up to 3 months.
Fast funding. If approved, funds can be received line for free via ACH or via Store Credits instantly.
No collateral required. Useline's personal loans are unsecured, which means that borrowers do not have to provide any collateral to secure the loan.
Transparent and fair. Useline is committed to transparency and fairness in lending, and the company aims to provide borrowers with clear and easy-to-understand loan terms and conditions.

Pros and Cons

Pros

Fast and easy application process. Useline's online application process is quick and easy, with most borrowers receiving a decision within minutes.
No interest. Useline's cash advances are interest-free, which means that borrowers know exactly what their monthly payments will be throughout the life of the loan.
No collateral required. Useline's personal loans are unsecured, which means that borrowers do not have to provide any collateral to secure the loan.
Competitive terms. Useline's interest rates are competitive with other online lenders, and the company does not run hard credit checks.
Credit alerts. Libe sends its customers personalized alerts to protect them from overdrafts and NSF fees.
Three plans to choose from: medium, small, and large.

Cons

Limited loan amounts. Useline's personal loans range from $20 to $1,000, which may not be sufficient for some borrowers.
Limited availability. Useline is only available in a limited number of states, which may limit its accessibility for some borrowers.
Strict eligibility requirements. Useline has strict eligibility requirements, and borrowers may not be approved if they do not meet the company's credit and income criteria.
Overdraft and NSF fees can be charged.

Products

Useline offers three different loan plans with different loan amounts and repayment terms for those who want to free themselves from financial uncertainties. Here's a brief overview of each plan:

Small plan. The small plan is designed for borrowers who need to borrow $20-$50. Due dates are usually linked to the next pay days. Instant cash delivery to a debit card for $4.
Medium plan. The medium plan is designed for borrowers who need to borrow between $50 and $500. This plan offers repayment terms of up to 30 days. Instant cash delivery to a debit card for $2.
Large plan. The large plan is designed for borrowers who need to borrow between $500 and $1,000. This plan offers repayment terms of up to three months. Instant cash delivery is included in the plan.

Reliability

Useline is a reliable lender that has established itself as a trusted source of personal loans for borrowers across the United States. The company is a public benefit corporation, which means that it has a legal obligation to consider the impact of its decisions on society and the environment in addition to its financial performance. This commitment to social responsibility sets Useline apart from other lenders and demonstrates the company's dedication to positively impacting the communities it serves.

Useline is also backed by Line Financial, a leading fintech company that provides innovative financial services to consumers and businesses. Line Financial's expertise in the fintech industry has enabled Useline to develop a streamlined, digital lending platform that makes it easy for borrowers to apply for and receive personal loans online.

In addition to its commitment to social responsibility and partnership with Line Financial, Useline has received positive reviews from borrowers and industry experts alike.

Regarding your personal information security, Line pledges not to store your personally identifiable data.

Overall, Useline is a reliable lender that provides borrowers with access to affordable personal loans. The company's commitment to social responsibility, partnership with Line Financial, and positive reputation make it a trusted choice for borrowers looking for a reliable and ethical lender.

The company's official address is 44 Montgomery St., San Francisco, CA 94104.

Funding a Loan

All Line loans can be funded in two ways: money can be received line for free via ACH or via Store Credits instantly. Instant delivery to a credit card costs $0-4$, depending on your plan.

Additional Services

In addition, with Line, you can file taxes, both federal and state, for free and get up to 100% refund. Multiple states and various combinations are supported, including W2, 1099, single, joint & more.

Such anti-fraud measures as the change of address monitoring, dark web monitoring, and a $1MM identity theft protection insurance are also available through bank-level personal info protection that prevents unauthorized use.

Line

Line Financial is an American lender that provides personal loans to borrowers across the United States. The company was founded in 2019 and is headquartered in San Francisco. Line's mission is to provide borrowers with access to affordable personal loans through a fast and easy online application process. The company offers interest-free cash advances ranging from $20 to $1,000 with up to three months of repayment terms. Line is a public benefit corporation, which means that it is legally required to consider the impact of its decisions on society and the environment in addition to its financial performance. This commitment to social responsibility sets Line apart from other lenders and demonstrates its dedication to positively impacting the communities it serves.

Line Financial is a privately held company whose ownership structure is not publicly disclosed. However, Line Financial is backed by a number of venture capital firms, which have invested in the company to support its growth and expansion.

To qualify for a loan from Line, you must meet the following requirements:

Be a U.S. citizen or permanent resident.
Be at least 18 years old.
Have a valid address.
Have a regular source of income.

If you meet these requirements, you can apply for a loan from Line by completing their online application process. During the application process, you will need to provide information about your income, employment, and other personal and financial information. Line will use this information to determine your loan eligibility and calculate your loan amount and interest rate.

It's important to note that meeting the eligibility requirements does not guarantee that you will be approved for a loan from Line. Line will review your application to determine your creditworthiness and loan repayment ability. If you are approved for a loan, you will receive your loan funds via direct deposit into your debit card.

Line offers quick cash advances ranging from $20 to $1,000, with loan terms of up to three months. The loan amount that you may qualify for depends on various factors, such as your creditworthiness, income, and debt-to-income ratio.

During the application process, Line will evaluate your financial situation and determine the loan amount and interest rate that you qualify for. It's important to note that the loan amount you are approved for may not necessarily be the same as the amount that you apply for.

No, Line does not approve everyone who applies for a loan. Like any lender, Line has specific criteria that applicants must meet in order to be approved for a loan, such as:

Be a U.S. citizen or permanent resident.
Be at least 18 years old.
Have a valid address.
Have a regular source of income.

Yes, Line is a legitimate company. It is a fintech lender that provides personal loans to borrowers across the United States. The company is based in San Fransisco and is licensed as a lender in all states where it operates.

Line has received positive reviews from customers, many of whom appreciate the fast and easy application process and the company's competitive interest rates. In addition, Line is a public benefit corporation, which means that it is legally required to consider the impact of its decisions on society and the environment in addition to its financial performance. This commitment to social responsibility sets Line apart from other lenders and demonstrates its dedication to positively impacting the communities it serves.

Overall, Line is a reputable and trustworthy lender that provides innovative financial products and services to help consumers meet their financial needs.

Line is generally considered a good lender by many borrowers and financial experts. The company offers flexible repayment terms and an easy and fast online application process and does not charge interest. Line also provides borrowers with access to a range of financial education and credit-building resources, including free credit monitoring and financial literacy tools.

In addition, Line is a public benefit corporation, which means that it is committed to positively impacting society and the environment in addition to its financial performance. This commitment to social responsibility sets Line apart from other lenders and demonstrates its dedication to supporting its customers and the communities it serves.

While no lender is perfect, and some borrowers may have negative experiences with Line, the company has received positive reviews. It is considered a reputable and trustworthy lender in the fintech space.

Getting approved for a personal loan from Line does not seem to be challenging, as the company has certain eligibility requirements that applicants must meet to qualify for a loan. To be eligible for a loan from Line, you must be a US citizen or permanent resident of the majority of age with a valid address. Additionally, Line evaluates each loan application on a case-by-case basis and may consider other factors, such as your debt-to-income ratio and credit history, when making lending decisions.

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Line reviews 2024

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This app is extremely frustrating. As soon as you sign up, they place you on a "waitlist." I've been waiting for over two weeks, and it has become utterly ridiculous. I don't need the service that badly. I strongly advise against wasting your time on this app.

I'm relatively new to Beem, and typically, I wouldn't consider using such a service, especially given my lack of credit history and the reluctance of others to give me an opportunity to improve my financial situation. As I read through all the provided information, I wasn't entirely convinced until I came across the only review available so far. While it wasn't overly negative, the individual didn't seem entirely satisfied with the overall process.
What struck me the most and gave me hope that Beem could genuinely help me get back on track was the swift response from the developer. They reached out to that person, offered apologies, and expressed a willingness to assist in any way possible. This quick response demonstrated to me that Beem genuinely cares about its users. Thank you!

The app's developers consistently roll out updates, enhancing its performance with each iteration. Their support team is highly efficient, amicable, and promptly addresses any technical glitches. Even if you don't meet the initial qualifications for Line, the app's additional features are invaluable for working towards eligibility and aiding individuals in achieving financial success.

I patiently waited for months to finally secure a $20 line of credit. However, once I borrowed the amount, I was stunned to discover that I had to repay it within a mere 2 days, accompanied by a $4 interest fee. In total, I have already paid them $26, including the subscription fee.
Now that I've diligently paid back the $24, I was informed that the payment may take 5-7 business days to reflect in my account. However, it's been nearly 2 weeks, and the payment still shows as pending. Every time I've reached out to support, I've received the same response: "Please be patient, and we will provide you with an update." Meanwhile, I continue to receive notifications relentlessly, demanding a payment that I've already settled nearly 2 weeks ago. This has turned out to be a frustrating waste of time.

I've consistently faced disappointment with Line as it repeatedly tells me, "Sorry, we're unable to approve your loan." Frustrated with the experience, I eventually removed Beem from my phone. Surprisingly, I started receiving texts and emails stating I'd been approved for a $70 loan. However, the issue persisted as I logged in, and I was greeted with the same "sorry" message.
To make matters worse, their customer service has proven to be equally frustrating. I reached out for assistance, but regrettably, it was not forthcoming. For those who have successfully obtained loans through them, I applaud your achievement. However, for my part, I've decided to once again remove their app from my device until these issues are resolved.

I've been using Beem for two months now, and I want to preface this by mentioning that I have a monthly income of over $4,200 after taxes and medical deductions. However, I've only been approved for a $25 monthly limit, which presents a challenge for me since I'm paid once a month on the 1st. This leaves me with just a week to repay, making it difficult to manage.
Additionally, I've encountered issues with adding my debit card multiple times. Whenever I log back in, it mysteriously disappears from Beem. I've even gone through the process of verifying my debit card, only to have it vanish again from Beem. This has happened a frustrating 11 times. Beem's functionality clearly needs some refinement. Furthermore, the customer service could be more helpful, as I've experienced attitude from a representative more than once.
I attempted to upgrade my monthly subscription to access more cash, but the system wouldn't allow me to do so. I believe there's room for improvement in terms of linking checking accounts and income information. It's important to note that, contrary to expectations, you shouldn't anticipate receiving the $100-$1000 amounts advertised; based on my experience and Google reviews, the highest I've seen anyone receive is $40. Once I've paid back the $25, I plan to cancel my account. Beem has potential, but there are several issues that need to be addressed to enhance the user experience.

I downloaded this app today with excitement because I've been using Afterpay, Klarna, and Sezzle for a while without any issues. However, I wanted to explore more options since Line offered stores where I needed to shop for my daughters' Christmas gifts. I attempted to enter my bank account and login information for Plaid, but it repeatedly claimed it wasn't the right credentials, even though I verified with my bank that I had entered the correct information.
I find the signup process unnecessarily complicated. Other apps require only the registration of your debit card, and you're good to go. They have had no trouble deducting installment payments from my linked debit card. It might be a good idea to reconsider your signup process and stick to using debit or credit cards without trying to link a bank account as well. This process has caused unnecessary frustration.
I was initially drawn to Beem due to its promising features, like the goals, rewards, and the variety of stores it offers. However, I quickly went to their website to deactivate my application, and I plan to delete Beem shortly. The concept has potential, but the signup process needs improvement to make it more user-friendly and seamless.

Prior to any quick responses suggesting I email for support, I've been sending emails since September and they've gone unanswered, so that's not a viable option. I've been struggling to unlink my bank account and sought help from customer service, but they simply directed me to do it myself in Beem. Despite my repeated explanations that the button in Beem wouldn't unlink the bank, they continued to provide the same unhelpful response. I've reached out via email repeatedly, but still, I'm met with silence.
Now, here's where things start to look suspicious. Beem offers the option to delete your application (even though I was never able to submit one), claiming they'll immediately erase all your information. However, this isn't the case at all. I closed my application and account a month ago, and when I attempted to sign back in, I was presented with a message asking if I'd like to reopen it. I accepted, and to my surprise, the application still had all my information stored in it. So, it seems that deleting it merely pauses it and retains the information. This leads to concerns that the company might be holding onto this data for potential future sales. Customer service has been unresponsive to my emails, and if the developer's response to this review is to email for a fix, I must point out that I've been trying for four months without any response.

This app is incredibly useful when you're in need of quick cash.

This app is excellent. It not only monitors your credit score but also displays the balances and transactions for all your linked bank accounts. You can easily send and receive money, and the new Beem app allows you to borrow money. The customer service is friendly and highly supportive. Overall, it's a fantastic app that offers a wide array of features.

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Company rating

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17 reviews

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Line Review

About lender

Key Features

Pros and Cons

Pros

Cons

Products

Reliability

Funding a Loan

Additional Services

FAQ

What is Line Financial?

Who owns Line?

How Do you Qualify For a Line loan?

How Much Can You Borrow From Line?

Does Line Approve Everyone?

Is Line a Legitimate Company?

Is Line a good lender?

Is Line hard to get approved for?

Company documents