Customer Service
"The staff is always very friendly and helpful! I appreciate the quick response to customer service! Thank you!"
- Jessica
Get Approved for a Line of Credit of up to $3,500 Today♦
Existing Customer? Login here!
"The staff is always very friendly and helpful! I appreciate the quick response to customer service! Thank you!"
- Jessica
Existing Customer? Login here!
Quick application process to get you the money you need♦.
The flexibility to choose how much to draw**.
Extraordinary customer care.
The CC Flow Line of Credit is offered by CC Flow, a division of Capital Community Bank(CCBank), a Utah Chartered bank, located in Provo, Utah. The CC Flow Line of Credit is offered through MoneyKey.
You only pay interest charges at a fixed Annual Percentage Rate (APR) of 249% on the amount of credit you use and not your total credit limit. There are no additional fees.
If you have an Outstanding Balance, you will need to make Minimum Payments. Each Minimum Payment includes:
Minimum Payments can be due on a bi-weekly, semi-monthly or monthly basis and your due dates will generally align with your income frequency. The exact amount of each Minimum Payment will vary depending on your account activity.
So long as you have an Outstanding Balance, you will have to make Minimum Payments. Each Minimum Payment consists of:
Each Minimum Payment includes a contribution towards your principal balance to ensure you are always paying down your Line of Credit. The Mandatory Principal Contribution will vary depending on your income frequency. Refer to your Line of Credit Agreement, or any amendments, for more information.
Let’s look at an example of a customer with a bi-weekly income frequency (14 days apart) who has an Outstanding Principal Balance of $2,000 for two billing cycles.
| Billing Cycle Example | ||
| Cycle 1 | Cycle 2 | |
| Outstanding Principal Balance | $2,000.00 | $1,980.00 |
| Principal Contribution (A) | $20.00 | $19.80 |
| Interest (B) | $191.01 | $189.10 |
| Minimum Payment Due (A+B) | $211.01 | $208.90 |
| Remaining Principal Balance | $1,980.00 | $1,960.20 |
APR Interest Rate of 249%
Disclaimer: This example assumes the customer makes a draw at the start of a billing cycle, only makes Minimum Payments and no additional draws are requested on their CC Flow Line of Credit. This example is for illustrative and informational purposes only. The actual Minimum Payment(s) due will depend on your individual account circumstances and activity.
