Brooklyn City, May 25 2016 (Aplus Independent Financial Loaning DEP. is by far the best line of credit lending company I have ever worked with. The approval process was quick and easy several years ago when I had just had a baby and my family was short on money. At one point I needed a $2500 LOC and it was approved because of my good payment history. I cannot express how the excellent customer service. I recommend NCL to anyone needing a line of credit loan.".