Connected to a Proponent Checking Account, Ready Credit works like overdraft protection- but goes one step further.

That's because you can tap your Ready Credit Line via check, at an ATM, Visa Debit Card, Online Bill Pay or by calling 800 457 8058 opt. 3 (opt. 4 for NC). It's instant additional buying power when you need it, with the ability to pay the balance in full or over a few months.

Here's how it works: Let's say you were about to use your Proponent Visa Debit Card and, unknowingly, didn't have enough funds available in your checking account to cover the cost of the transaction. Rather than facing the potential embarrassment of having your card denied, our Ready Credit protection service will provide you with added peace of mind by allowing your transaction to process- funds for the transaction will be automatically transferred from a pre-specified savings account or line of credit to cover your transaction. Keep in mind, there is a service fee for such transfer (please see our current Rate & Fee Schedule).

In addition to accepting loan applications online, we also offer the convenience of a 24/7 Loan Center staffed by live customer service representatives who answer and even take your application over the phone. Simply call 800 457 8058, opt. 2.