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We do not offer loans for customers with “bad credit.” If you have a low credit score with the major agencies, it’s usually because you have made some poor financial decisions like failing to pay bills on time or defaulting on loans. If you have a history of these sorts of financial mistakes, it will be very difficult to get a loan, because lenders will see you as a bigger risk.
In fact, you should be suspicious of anyone who offers you a “bad credit” loan with good terms — there’s a good chance they’re a scammer or a dishonest lender. CashNetUSA evaluates your application on more than a simple number. Instead, we look at a variety of factors such as payment history and past financial transactions. That means you may be approved and get the funds you need — even with less-than-perfect credit!†
CashNetUSA’s application process involves an alternative credit check. That means we use a variety of sources to look at parts of your financial history when we make our decision. We do not solely base our decision on information from major credit agencies or on your credit score alone. However, when we consider your loan application, we’ll still be looking at many of the same factors as the major agencies do when they create your score.
It depends on how you understand the phrase “long-term.” Our installment loans usually have terms of several months to a year or more. This puts them in a different category than short-term loans, which must often be paid back within a month or less. On the other hand, our installment loan will generally have a shorter term than a mortgage or a 10-year loan.
CashNetUSA is a direct lender everywhere except Texas and Ohio. In Texas, we are a Credit Access Business (CAB), and we arrange loans between applicants and third-party lenders and then service those loans once they are issued. In Ohio, we are a Credit Services Organization (CSO), which means that we arrange loans between borrowers and third-party lenders. To learn more about CSO, CAB and direct loans and which products, if any, we offer in your state, visit our What We Offer page.
The first requirement is simply that you live in a state where we offer installment loans. Check our Rates & Terms page to see whether installment products are available where you live. Even if they aren’t, we may still offer an online loan you’re interested in.
If you can apply for the loan you want, you’ll have to meet some basic requirements to submit a valid application:
If you meet all of these requirements, you can start filling out our application today!
Our online application is simple and fast. Once you’re there, just follow a few easy steps:
At CashNetUSA, we want to make sure you understand the loan you apply for. Our FAQs answer many of our customers’ most common questions, and our customer service representatives are ready to help. Feel free to contact us with any questions you might have.