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Apply in 5 minutes for cash next business day* - over 1 million satisfied customers and offering services in 32 states.

Do You Offer Lines of Credit without Credit Check?

So say you’re in need of a flexible funding option but your credit history is less-than-perfect.† Financial mistakes you’ve made in the past continue to haunt you, preventing you from obtaining money from traditional credit sources such as banks and credit card companies. Fortunately, CashNetUSA understands that borrowers in need of quick cash might not have the best of credit ratings. And that’s OK — our versatile line of credit product allows you to apply without having to undergo a traditional credit check.

So what does that mean? Although we don’t perform traditional credit checks as part of our application approval process, we will attempt to verify your information through various national databases including Clarity. If you’ve defaulted on past transactions, you may not qualify for our no-credit-check line of credit.

A Product Designed for Everyone

To prequalify for a line of credit, you must meet the following requirements:

  • Have an active checking account
  • Have been employed for at least one month
  • Be at least 18 years old

Although we don’t necessarily offer a bad credit line of credit, our line of credit product is available to borrowers with less-than-perfect credit.† As mentioned earlier, just because you made some poor choices in the past doesn’t mean you’re an irresponsible borrower. CashNetUSA understands that and has committed itself to being there for borrowers, even without perfect credit.† We offer a 100% unsecured line of credit — no home or personal assets required!


Back to Everything You Need to Know About Lines of 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.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**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.