Apply for an Installment Loan
with Less-Than-Perfect Credit!

Select your state for eligibility:
Applying doesn’t affect your traditional credit score!§
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Head to our Rates & Terms page to learn more.

Quick Application

Apply online in minutes without affecting your traditional credit score§

Instant Decision

Receive an immediate decision**

Fast Funding

Get money the next business day*

Installment Loans with an Alternative Credit Check

Do You Offer Installment Loans for Customers with Bad Credit?

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!

Can I Get an Installment Loan with No Credit Check?

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.

Are CashNetUSA’s Installment Loans Long-Term Loans?

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.

Is CashNetUSA a Direct Lender of Installment Loans?

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.

What Are the Requirements for a CashNetUSA Installment Loan?

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:

  • You must be 18 or older
  • You must have been employed for at least one month
  • You must have a valid checking account
  • You must be a U.S. citizen or permanent resident

If you meet all of these requirements, you can start filling out our application today!

How Do I Apply for an Installment Loan?

Our online application is simple and fast. Once you’re there, just follow a few easy steps:

  1. Help us verify your identity with your name, email and home address. At this point, we’ll also ask you to create a password so that you can access your new account in the future.
  2. You’ll enter your employment information and bank account number so we can make sure you meet our application requirements.
  3. Once you submit all your information, we’ll quickly evaluate it and, in many cases, give you an instant approval decision!**
  4. If you accept all the terms, you’ll sign the contract and if it receives final approval, we’ll deposit your money in your bank account. You could have your funds as soon as the next business day.*

What If I Have More Questions?

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.

More Information about Installment Loans