A line-of-credit digital content application platform is provided, including a system and method for providing a digital content distribution platform, said digital content distribution platform configured to transmit digital content across a network; receiving from a user of the digital content distribution system a request for a membership account with the digital content distribution system; creating the membership account corresponding to the user; providing the user, prior to receiving payment or credit from the user, with a line-of-credit, said line-of-credit usable by the user to purchase access to digital content from the digital content distribution system; receiving from the user a purchase selection, whereby the user purchases access to digital content from the digital content distribution system in exchange for payment from the line-of-credit; and providing the user with access, across the network to a user device, to digital content from the digital content distribution system in exchange for the payment from the line-of-credit.