Same-Day Deposit Available
If approved before 1:00 p.m. CT Monday – Friday†
Receive an immediate decision
What does CashNetUSA offer?
CashNetUSA doesn’t offer “no credit check” loans, “bad credit” loans or “guaranteed” loans. But we do offer fast and reliable emergency funding to people with less-than-perfect credit. You can visit our Rates & Terms page to learn what online credit products we offer in your state. Read on to learn about what is commonly meant by the terms “no credit check,” “bad credit” or “guaranteed” loans, and why CashNetUSA would never claim to offer them.
What are “no credit check,” “bad credit” and “guaranteed approval” loans?
People should be careful when they search for terms such as “no credit check loans,” “bad credit loans” or “guaranteed approval loans.” CashNetUSA makes sure not to use those claims in order to avoid being misleading. Our goal is to be as transparent and straightforward as possible to help people choose the lender that best fits their needs.
We're not your typical lender.
We offer instant eligibility decisions* and same-day funding when you apply and receive approval before 1:00 p.m. CT Monday – Friday.†
Alternative Credit Check
We base our approval decision on your overall financial picture — not just your credit score.
We keep your information safe with a network protected by TrustedSite®.
Our in-house customer service team is here seven days a week to answer any questions.
We're part of the publicly listed company Enova (NYSE:ENVA), and have helped more than 4 million customers since 2004.
Learn more about no credit check loans.
What’s the easiest loan to get with no credit?
Getting a loan with no credit history can prove very difficult. Rather than apply for a loan with little to no credit history, you may want to apply for a secured or cosigned credit card or loan. With secured funding, you can use something as collateral for the lender to recoup if you’re unable to repay. Similarly, with a cosigner, the lender has another way to recover their money if you’re unable to repay.
What type of loan does not require a credit check?
Most lenders will require a credit check of some kind prior to making a decision. The question is whether or not the credit inquiry is a “hard” or “soft” credit check. Hard credit checks will appear on your credit report and may affect your credit score. Soft credit checks will not. CashNetUSA only conducts soft credit checks.