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With higher loan amounts and longer repayment schedules, you’d think that applying for installment loans would be a competitive and difficult process, right? After all, who wouldn’t want to cover their emergency expenses — upcoming bills, a new car transmission or a hospital bill after spending five hours in the emergency room — all at once? But at CashNetUSA, we only have one goal: to help you bridge the gap between paydays. That’s why our installments loans are simple to apply for, even if you have less-than-perfect credit.†
As long as you have an active checking account, have been employed for at least one month, are a U.S. citizen or permanent resident and at least 18 years old, you can prequalify for an installment loan, even with less-than-perfect credit.† While we don’t perform traditional credit checks during our installment loan application process, keep in mind that if you’ve defaulted on transactions in the past, you may be declined for a loan from CashNetUSA. In addition, we don’t offer bad credit or poor credit installment loans.
Get a 30% rebate on your first two installment loan payments with code INSTL30+++
We’ve all made financial mistakes in the past. But just because your current credit rating is below average† doesn’t mean that you are an irresponsible borrower. And while most traditional credit sources such as banks and credit companies might think so, CashNetUSA is willing to overlook a borrower’s less-than-perfect credit† as long as they meet our loan requirements. That’s not to say, however, that we offer installment loans for bad credit.
*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.
**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.
***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.
†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.
‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.
++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.
+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.
1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.
Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.