Overview

Once your Cash Line account is approved, you’ll complete a few steps to finish setup, access your funds, and begin using your line of credit.

This guide walks through what to expect, including how to set up your account, take your first draw, and manage your payments.

1. Set Up Your Account

To get started, you’ll need to:

✔ Link a personal bank account using Plaid
✔ Review and accept your account agreement

📌 Note: Cash Line requires a bank account that can be securely linked through Plaid.

2. Set Up Your Subscription

Cash Line includes a monthly subscription fee required to maintain access to your line of credit.

To complete setup:

✔ Authorize your subscription payment from your linked bank account.
✔ Review and accept the subscription terms.

Your first subscription payment is typically due on your account activation date.

3. Take Your First Draw

Once your account is set up, you can request your first draw:

✔ Select the amount you want to draw from your available credit.
✔ Review your repayment details and due date.
✔ Confirm your request and accept the terms.

4. Receive Your Funds

After your draw is processed:

✔ Funds may be available shortly after processing if your bank supports instant transfers.
✔ If instant funding is not available, funds are typically received within 1–3 business days.

📌 You can check your estimated delivery date in your account.

5. Repay Your Draw

Repayment for your draw is based on your billing cycle.

✔ Your payment due date will be shown in your account.
✔ Payments toward your draw balance must be made as one-time payments.
✔ AutoPay is only available for the monthly subscription fee.

6. Continue Using Your Cash Line

After repaying your draw in full:

✔ You can request another draw, up to your available credit.
✔ Your account remains active as long as your subscription is current.

Next Steps

Log into the Upstart mobile app to complete setup, request a draw, and manage your Cash Line.