MobiLoans Line of Credit
MobiLoans Line of Credit
in Personal Lines of Credit from MobiLoans LLC

MobiLoans Line of Credit

in Personal Lines of Credit from MobiLoans LLC
SuperMoney Net Recommendation Score -64  


This product is strongly not recommended by SuperMoney users with a score of -64, equating to 1.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

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Community Rating Strongly not recommended
Loan Amount $200 - $2,500
APR  (Variable APR) 206.73% - 425.45%
Number of Reviews 22

MobiLoans Line of Credit Review

MobiLoans Line of Credit is offered through MobiLoans LLC, a direct lender founded in 2011 and based in Marksville, LA. MobiLoans Line of Credit are available in 30 states across the USA.

What APRs does MobiLoans Line of Credit offer?

MobiLoans Line of Credit offers a variable APR product that ranges from 206.73% APR up to 425.45% APR.

Does MobiLoans Line of Credit charge an origination fee?

No, MobiLoans Line of Credit does not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does MobiLoans Line of Credit charge a cash advance fee?

Yes, there is a cash advance fee.

Does MobiLoans Line of Credit charge a late fee?

Yes, there may be a late payment fee.

MobiLoans Line of Credit Fees
Cash Advance Fee N/A
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

How much can you borrow ?

Upon approval and based on your credit worthiness, you will receive a personal line of credit of at least $200 and as much as $2,500. .

What do you need to qualify for MobiLoans Line of Credit?

MobiLoans Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. MobiLoans Line of Credit will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the MobiLoans Line of Credit product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by MobiLoans Line of Credit.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license

What is the estimated funding time?

Typically, you will receive a credit approval decision in less than an hour and get access to the line of credit within 3 business days .

Does MobiLoans Line of Credit report your account activity to credit bureaus?

Yes, MobiLoans Line of Credit reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for MobiLoans Line of Credit

  • Visit their website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
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Message From MobiLoans

MobiLoans, LLC, is owned and operated by the Tunica Biloxi Tribe of Louisiana, a federally recognized Indian tribe operating within the tribe's reservation. Our tribe was federally recognized in 1981 and has roughly 1236 members. The Tunica-Biloxi Indians have lived on their reservation near Marksville, LA for over two centuries. At one point in time, the Tunica-Biloxi exercised influence over a wide territory, encompassing present-day Arkansas, Oklahoma, Missouri, Tennessee, Louisiana, Alabama, and Florida. The full motto on the Tunica-Biloxi flag, "Cherishing Our Past, Building for Our Future," both summarizes four-and-a-half centuries of tribal history and highlights the tribe's lasting contributions to a keystone Native American belief: the reverence and preservation of ancestral traditions.

The credit you need ... without the worries of a card. With Mobiloans, you get a line of credit, but the money you draw goes to your checking account or you can elect to receive it by check. You can draw as little or as much as you need. As you repay your line, you can draw more cash.


About MobiLoans Line of Credit


  Available in 30 states
  • Alabama
  • Alaska
  • California
  • Delaware
  • Florida
  • Hawaii
  • Idaho
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Payment $16
No Origination Fee
No Prepayment Fee
Credit Score Range 300 - 650
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Non-Military
  • Veterans
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
Minimum Draw Starting at $20
Credit Bureau Reporting Other
Funding Time Range 1 - 3 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
APR (Variable APR) 206.73% - 425.45%
APR Type Variable APR
Loan Amount $200 - $2,500

MobiLoans Line of Credit Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -64, equating to 1.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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