Like many financial products, you’ll first need to get approved by the lender after requesting an amount you’d like to be able to borrow. Once approved, your credit limit will be determined based on certain criteria and you will then be able to borrow against your line of credit. The funds you request will typically be available the next business day. From that point, you can continue borrowing from and making payments toward your line of credit, making either the minimum payment amount or a greater amount if you prefer paying your balance in full.