How do I pay back the money I borrow from my Personal Credit Line? You’ll receive a monthly statement through your dashboard that will combine the monthly payments from all of your previous draws into one fixed payment. To learn more about the Upgrade Card, click here. Was this article helpful? 0 out of 1 found this helpful Return to top Related articles What is the Upgrade Card with a personal credit line? Why use the Upgrade Card instead of a credit card? How much can I borrow from a Personal Credit Line? Why choose a Personal Credit Line instead of a home equity line of credit (HELOC)? How are the rates fixed on a Personal Credit Line?