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How long can I borrow for?
You set how long your credit account will last. It could be 3 days or 3 years. You just have to repay by the end.
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What interest rates will I get?
You set the terms that you want (time, collateral ratio, etc.) and different lenders will give you competing offers for size and rates. You get to choose the total amount you borrow and what interest rates from their offers.
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Whats the difference between a loan and a line of credit?
A loan is a one time lump sum payment to the borrower that must be paid by a specific time.
A line of credit lets you borrow and repay any time you want, up to a set limit.