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CashNetUSA and “Bad Credit Payday Loans”

CashNetUSA does not offer “bad credit payday loans.”

However, if you have had past credit problems but have worked diligently to improve your financial situation, you may be eligible for an online payday loan with CashNetUSA. We pride ourselves on helping hardworking individuals get the funds they need, even if they have less-than-perfect credit.*

“Bad credit” doesn’t have a technical definition, but it is generally used to describe a low traditional credit score.

We don’t look at applicants’ traditional credit score, but the things that can give you a lower credit score — defaulting on debts and making late payments on bills, for instance — may be factored in when we evaluate your application.

If your financial history shows a pattern of not honoring debts, your application may be declined.

Beware of “Bad Credit Payday Loans”

While there are unscrupulous companies in every industry, the payday loan and cash advance industry is particularly rife with lenders that make false claims and offer dangerous products.

Because of this, CashNetUSA takes our commitment to transparency seriously when it comes to payday loans and claims of “bad credit” or “no credit” loans.

CashNetUSA Payday Loans and Your Credit Score

Although we don’t offer “bad credit payday loans,” our custom alternative credit check process doesn’t look at your traditional credit score.

Therefore, we’re able to consider applications from people who have less-than-perfect credit scores.*

Additionally, applying for a payday loan with CashNetUSA does not affect your FICO® score — so the best way to know if you are eligible for a CashNetUSA loan is to apply for one!

If you’re eligible, make sure you’ll be able to repay any loan you take out before signing your contract. Failure to repay or repay on time can make it harder to get any sort of loan or credit with us in the future.

Lastly, CashNetUSA cannot help you improve your “bad” credit or help you build credit if you have none — our services are here to help you when you have a financial emergency that you need to deal with between paydays.

What Does CashNetUSA Offer?

CashNetUSA’s payday loan amounts vary by state but are generally for less than $500. Check out our Rates & Terms page for more details.

Our application is quick and easy and takes most people just a few minutes to complete.

Many customers receive instant eligibility decisions,* and customers who apply early in the day and are approved may be eligible for same-business-day funding.

More About CashNetUSA’s Payday Loans

CashNetUSA is a direct lender everywhere we operate except Texas, so we’re here to help you through the loan process every step of the way.

Since 2004, we have has helped more than 3 million hard-working Americans receive the cash they need, when they need it most.

Our highly trained customer support team is available seven days a week, and collectively we strive to make CashNetUSA the best choice for payday loans.