Online Loans for Fast Emergency Funding

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We help people get loans online.

With AppCashUsa, the application process is fast and easy. We start by performing an alternative credit check. This uses a variety of sources to look at areas of your financial history rather than just your credit score. In addition, applying with us will not affect your FICO® score.

What are the advantages of online loans?

Online loans provide advantages over traditional loans. They make the process of finding, applying for and receiving money much faster, easier and more streamlined. With AppCashUsa, you can apply 24/7 and receive an immediate decision.* If you’re approved before 1:30 p.m. CT Monday – Friday, you can get an online loan as soon as the same business day!

Additionally, advancements in technology have made getting a loan online safer than ever. It’s still recommended to do your due diligence before applying for an online loan. For tips related to online security, you can visit our Online Security Center.

Compare the online funding types AppCashUsa offers.

AppCashUsa offers two different online credit options, so it’s important to know what is available in your state and how the product works before applying.

Line of Credit

A line of credit is a type of revolving credit, and in that sense operates somewhat like a credit card. If approved for a line of credit, you receive a credit limit up to a specific amount of money. From that amount, you can log in to your account and withdraw what you need. Those funds are then deposited into your checking account, and you pay interest on the funds you withdraw and, in some states, a transaction fee for each draw.

For repayment, you will have a minimum payment due each billing cycle. You can also repay sooner with no penalty to reduce the amount of interest you’ll pay. As you repay, the replenished funds become available credit. Then when you need more money, you can draw again up to your available credit (minimum $50 per draw). This unique funding method is a good fit for those who need access to credit without having to reapply each time.

Installment Loan

An installment loan is structured in a way that most people are familiar with. You apply for money, and if approved, all of the funds will be disbursed up front. You then repay a fixed amount, plus interest, on a regular schedule — commonly once or twice a month. With our installment loans, the amount of time you can repay ranges from 3 – 24 months. That period that you repay is known as the loan term. For that reason, installment loans are often known as “term loans.” With AppCashUsa, you can repay early with no penalty to save on interest!

Personal online loans are personal by nature and can be used for your individual needs. Know which type of online funding option is right for you? Check our Rates & Terms page to see what’s available in your state. If the product is available to you, go ahead and apply today!

Make sure you’re eligible to apply.

You must meet the following requirements in order to be eligible for funding from AppCashUsa.
18 or older
Verifiable, steady source of income
Active checking account
U.S. citizen or permanent resident

You can count on AppCashUsa.

At AppCashUsa, we know there are a number of companies to choose from.
That’s why we want you to know what sets us apart.


We value your time. Our application process is designed to be quick and hassle-free, so you can access the funds you need when you need them most.


We hold ourselves to the highest data security protocols to keep your information secure.


You can contact our U.S.-based support team and talk to a real person seven days a week.

Does AppCashUsa offer online loans for bad credit?

With our line of credit, you are approved for a specific amount of funds that you can withdraw when needed. With our installment loan, you receive a lump sum of money that you repay with fixed regularly scheduled payments.

As for online loans for bad credit, AppCashUsa uses alternative credit data and advanced analytics to make lending decisions. This helps us serve customers who may not qualify for more traditional forms of credit. So while we do not offer “bad credit loans,” we often are able to issue loans to people who have trouble obtaining funds elsewhere.

How do online loans and lines of credit compare to credit cards?

Credit cards and lines of credit are both forms of revolving credit, but they have some key differences in the way they work. With an online line of credit such as the one from AppCashUsa, the funds you draw are deposited into your bank account and paid back with a fixed interest rate and a transaction fee for each draw in some states. Credit cards, on the other hand, are used directly as the payment method for purchases and commonly have variable APRs.

Online loans, such as installment loans, are term loans repaid over a specific period of time, while credit cards and lines of credit are forms of open-ended credit.

Learn more about online loans.

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