Lines of Credit for
Less Than Perfect Credit

Apply online or on the go
within minutes

Receive an instant lending decision,** even
with less-than-perfect credit

Get cash by the next business day*

Do You Offer Lines of Credit without a Traditional 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!


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