Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
We do not offer loans for customers with “bad credit.”
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.
At CashNetUSA, we evaluate your application on more than a simple number. 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 think of 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 usually must 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 we operate except Texas and Ohio.
In Texas, we are a Credit Access Business (CAB). We arrange loans between applicants and third-party lenders, 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.
In many cases, CashNetUSA is able to offer instant eligibility** decisions to applicants.
This, combined with our next business day funding* capabilities, is what leads many customers to come to us when they are looking for a quick loan.
To learn more, visit our Instant Approval page.
Loans will not be secured by any physical goods, such as an auto title, although CashNetUSA may take a security interest in the ACH authorization if that is the repayment method selected by the customer.
Learn all about the requirements and application process on our Installment Loans page.