Echo Credit offers a simple, reliable way for underserved or underbanked Americans to get a line of credit for access to emergency cash. As one of the best alternatives to payday lenders, our customers have the flexibility to repay their loan over a duration of time that makes sense for their lives and budget. With a simple and secure application process from any device, first-time customers can have $500 - $2,600 cash in their pocket as soon as the same business day.