Payday Loans with an Alternative Credit Check

Apply Now
Head to our Rates & Terms page to learn more.

Quick Application

Apply online in minutes

Instant Decision

Receive an immediate decision**

Fast Funding

Get money the next business day*

Can I Get a CashNetUSA Payday Loan with Less-Than-Perfect Credit?

While CashNetUSA does not offer “bad credit loans” or “no credit check loans,” our alternative credit check process allows us to consider applicants with less-than-perfect credit for payday loans and cash advances.

We look at a variety of factors when assessing your eligibility, and approval is based on more than just your credit score. That’s why more than 3 million Americans have found us to be the best choice for payday loans.

Will I Be Approved for a CashNetUSA Payday Loan?

CashNetUSA evaluates each application individually, so there’s no way of knowing whether or not you’ll be approved until you apply. Things that don’t automatically disqualify you include:

  • Lower traditional credit score
  • Short credit history
  • No collateral (Our loans do not require physical collateral)

Some of the factors that can help you get approved include:

  • Recent positive financial behavior like making payments on time
  • Accurately filled out application (the easier it is for us to verify your identity and employment, the easier it is for us to get a full picture of your eligibility)

You may not be approved if:

  • You have a history of defaulting on debts
  • You have a history of repeatedly missing payments
  • You do not meet our basic requirements
    • You are at least 18 years old1
    • You’ve been employed for at least one month
    • You have an active checking account
    • You are a U.S. citizen/permanent resident
    • You have an active email address
    • You have a driver’s license

Learn More About CashNetUSA’s Payday Loans

CashNetUSA is a direct lender everywhere except Texas and Ohio.

We make borrowing money quick and simple with our instant decision process**, so our customers can get the money they need — when they need it most.

Our loan amounts and terms vary depending on the state you live in, so please check out our Rates & Terms page for specific information on our online loans.