Payday Loans with an Alternative Credit Check

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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*

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 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 for specific information on our online loans.