Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
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 as well as installment loans†. 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 2.5 million Americans have found us to be the best choice for payday loans.
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:
Some of the factors that can help you get approved include:
You may not be approved if:
CashNetUSA is a direct lender everywhere except Texas and Ohio that prides itself on the transparency of our terms and the educational value of the resources we share in our blog and in customer emails.
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 if you have any questions about what we offer.