Personal Line of Credit

Same-Day Deposit Available

If approved before 1:30 p.m. CT Monday – Friday

Instant Decision

Receive an immediate decision

Quick Application

Apply online in minutes

How does a personal line of credit from AppCashUsa work?

With our personal line of credit, you only pay interest on the money you withdraw (and in some states, a transaction fee for each draw). Unlike a traditional loan, you don’t have to reapply each time you need additional funds. Simply withdraw from the available credit in your account as you need funds.

After you take a draw, you will have a minimum payment based on your outstanding principal and fees due for each billing cycle. You can make minimum payments over time, or you can repay in full to reduce interest. As you repay, you replenish your available credit for future borrowing.
Our line of credit offers a flexible option for personal borrowing. If approved, you’ll receive access to fixed amount of cash that you can tap as needed. Borrow what you want, leave what you don’t.

Benefits of a personal line of credit from AppCashUsa.

Instant Decision

Complete our simple online application and receive an eligibility decision instantly.*

Fast Funding

Get same-business-day cash if approved before 1:30 p.m. CT Monday – Friday. Funds for later approvals are delivered on the next business day.

Flexible Borrowing

Withdraw what you need, leave what you don’t. Only pay for what you borrow.

Access to Additional Cash

Borrow more money up to your credit limit without reapplying.

Alternative Credit Check

Apply with less-than-perfect credit — we look beyond your traditional credit score.*

How to borrow from a personal line of credit.


Confirm eligibility. All borrowers must be 18 or older; have a verifiable, steady source of income; have an active checking account; and be a U.S. citizen or permanent resident. Look up your state of residence to confirm that a line of credit from AppCashUsa is available where you live.


Complete application. Apply in minutes with our simple online form.


Receive an instant decision.* If approved, get same-business-day funding for draw requests made before 1:30 p.m. CT Monday – Friday.† Draw requests made later will be delivered on the next business day.


Choose repayment option. Repay gradually with minimum payments. Pay in full to reduce interest.


Borrow as needed. Need more cash? Tap funds within your credit limit to receive it.

Why AppCashUsa?

24/7 Online Application

Apply for a line of credit anytime, anywhere with our simple online process — it only takes a few minutes.

Customer Support

If you need help, our in-house customer service team is here seven days a week to answer your questions.

Data Security

We’re committed to your privacy and keep your information safe.


Transparency is at the core of everything we do. At AppCashUsa, you'll find no hidden fees, no surprises. What you see is what you get – straightforward solutions tailored to your unique situation.

What is an unsecured line of credit?

An unsecured line of credit doesn’t require collateral. This means that it isn’t “secured” with an asset to back up the loan. With a secured line of credit, on the other hand, borrowers provide collateral — a car, home or other valuable asset. In the event of a default, possession of said assets will be used to offset losses on the loan.

Does AppCashUsa offer "bad credit" lines of credit?

We do not offer "bad credit” lines of credit. However, we do recognize that a single number can’t summarize your entire financial history. That’s why we use an alternative credit check to look at different parts of your financial history. This alternative credit check will show us past mistakes like defaults, but it will also show us positive indicators like consistent repayments. By looking at the whole picture, we can sometimes make offers to those with less-than-perfect credit.*

Does AppCashUsa offer no credit check lines of credit?

Most companies conduct a credit check when you apply for a line of credit. However, not all credit checks are the same. Our credit check doesn’t look at your FICO® score. Instead, we use alternative credit reports and other sources of data to evaluate your application. Even if you’ve been turned down in the past because of a credit check, you may still qualify for our personal line of credit.

Make sure you’re eligible to apply.

To apply, borrowers must reside in a state where we offer lines of credit and meet the following requirements:
18 or older
Verifiable, steady source of income
Active checking account
U.S. citizen or permanent resident

Learn more about personal lines of credit.

How is a line of credit different from a traditional loan?

What kind of credit limit and fees can I expect?

Where does AppCashUsa offer personal lines of credit?