Looking for the Best Payday Loan Alternatives?
Sorry, we don’t currently offer loans in . You may be eligible for an offer through our partner brand, NetCredit.
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Head to our Rates & Terms page to learn more.
Looking for the Best Payday Loan Alternatives?
Same-Day Deposit Available
If approved before 1:00 p.m. CT Monday – Friday†
Instant Decision*
Receive an immediate decision
Quick Application
Apply online in minutes
Consider a payday loan alternative from CashNetUSA.
When people search for the best payday loan, what they’re looking for is the best loan for them. But many don’t realize that the best loan for them may not be a payday loan at all.
CashNetUSA offers payday loan alternatives in the form of lines of credit and installment loans. Our funding products can be used to cover the same types of emergency expenses, but they give you more flexibility, more time to repay, and (in some cases) larger amounts of money.
Best of all, you can repay early to save on interest. And people with less-than-perfect credit still have a chance of being approved!*
What sets us apart.
Alternative Credit Check
We believe in providing funds to people with less-than-perfect credit. That's why we base our approval decision on your overall financial picture — not just your credit score.*
Instant Decision*
You won’t have to sit around wondering whether you’ll be approved. In many cases, we give you an instant eligibility decision, letting you get on with your day.*
Fast Funding
Emergency funding has to come fast. That’s why CashNetUSA offers funds as soon as the same business day if you apply and are approved before 1:00 p.m. CT on a weekday.†
Flexible Products
Our lines of credit and installment loans are designed to give you the money you need — plus the time to pay it back. Visit our Rates & Terms to see what we offer in your state.
Proven Experience
We're part of the publicly-listed company Enova, NYSE:ENVA, and for the past 18 years we’ve partnered with more than 4 million people to help them get their finances back on track.
Customer First
We make the application process as easy as possible for our customers. Plus, our customer service team is available seven days a week to help with any questions and issues you may have.
We keep your personal data safe and secure.
You can keep peace of mind that the money you’re getting isn’t only from an experienced and trustworthy lender, but a safe one too.
What you can do:
Visit our Online Security Center to learn more about protecting your personal information.
What we do:
We continuously monitor and protect our network with TrustedSite®.
Make sure you’re eligible to apply.
You must meet the following requirements to be eligible for a loan from CashNetUSA.
18 or older
(19 in AL, DE; 21 in MS)
Verifiable, steady source of income
Active checking account
U.S. citizen or permanent resident
More about CashNetUSA
When you need fast funding, we want to be the lender you turn to. We try to make borrowing money quick and simple so our customers can get the money they need — when they need it.
Our online loan amounts vary depending on the state you live in, so please check out our Rates & Terms page if you have any questions about what we offer.
