Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
We do not offer “bad credit” lines of credit. When credit reporting agencies calculate credit scores, they draw on a range of information, combining it into a single number that may or may not reflect an individual’s actual creditworthiness. So when someone talks about “bad credit,” they’re usually talking about low scores rather than the factors that went into calculating them.
At CashNetUSA, we recognize that a single number can’t summarize your entire financial history. That’s why we use an alternative credit check to look at different parts of your financial history. This alternative credit check will show us past mistakes like defaults, but they also show us positive indicators like consistent repayments. By looking at the whole picture, we can sometimes offer loans to individuals with less-than-perfect-credit†, helping them get access to the funds they need.
A line of credit works a lot like a credit card. To start with, if your application is approved, you will be awarded a credit limit. This limit is the dollar amount that you can draw. At any time, you can draw up to the available portion of that limit, getting your money without having to apply again. In many cases, there will be a minimum draw amount and administrative fees when you draw.
Your repayments will be based on your outstanding principal balance at the time of your most recent draw. You will pay back a certain percentage of that outstanding balance plus interest each payment period. As you repay, your outstanding balance will decrease, meaning that your available credit limit (the amount you can draw) will increase.
Head to our Rates & Terms to see whether we offer lines of credit in your state, and what other rules may apply.
As mentioned above, the first thing you should do before applying for a line of credit is to make sure we offer them in your state. Our What We Offer page will let you know if we do. If we do not offer lines of credit in your state, we still may offer other products such as short-term loans and installment loans.
If we do offer the kind of product you want, you must meet certain requirements to be eligible to apply:
You must be 18 or older1
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
If you meet all of these requirements, you can head to our online application and see if you qualify today! In many cases, you can get an instant decision** and, if approved, your money can be in your account as soon at the next business day!*
CashNetUSA is committed to helping hardworking individuals get the emergency funds they need to move forward. If you have any additional questions about us, our lines of credit or any of our other products, check out or FAQs page. If you have more questions, feel free to contact us by email, phone or online chat.