NEXT Micro Line

Big Dreams, Meet Little Loan.

Sometimes, getting to the next level means getting real and getting your hands on some serious dough. Maybe you need a new laptop, “grown up” duds for a job, or furniture for your new place. You get the idea. Now you can line up the funds courtesy of a NEXT Micro Line. It's great for smaller purchases and establishing a solid credit history. And it's a revolving line, so as you pay it off, the credit becomes available again. Use, pay, repeat!

One of the great things about the NEXT Micro Line is that you don't need a credit history. (If you do have credit, it needs to be glitch-free.) Your credit must also:
  • Show no more than 1 trade line (excluding student loans)
  • Show 3 years or less of credit history with trade lines (excluding student loans)
What do you get to enjoy?
  • A line amount up to $1,500 on an individual basis (meaning no co-signer)
  • The flexibility of revolving credit
  • A no-rude-surprises fixed rate of 14.5% APR
  • The convenience of automatic payments from a checking account
  • A speedy online application process available 24/7
What do you need to be?
  • At least 18 years old
  • Gainfully employed for at least six months with the same employer
  • 30% or under with your debt-to-income ratio
What do you need to do?
  • Provide a copy of your most recent pay stub
  • Complete the "Credit Matters" Balance Financial Fitness Course (It only takes ten to fifteen minutes)
  • Have a checking account at Northern

The NEXT Micro Line helps you to get what you need, when you need it. It’s the ideal way to build credit!

Apply for the NEXT Micro Loan today!

NEXT eChecking
NEXT eSavings
NEXT Auto Loan
NEXT Micro Loan
NEXT Visa Debit Cards
First Time Home Buyer Program
Convenience Services
Student Loans