Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
First, head over to our Rates & Terms page to see which products we offer where you live, if any, and learn about terms and conditions such as loan amounts and repayment details.
Once you've made sure that the product you want is available in your state and that you want to apply, you can head over to our online application.
You’ll start by creating an account with your email and a password. After that, you’ll just have to give us some basic information such as your name, address, bank account number and employer. We’ll verify that information, look at your financial history and, in many cases, come back with an instant approval decision.** If you are approved, you’ll just have to sign your contract and your money could be in your account by the next business day!**
Once you have a loan, you’ll be able to use your account to manage your loan online. And if you want to apply for another loan in the future, we’ll already have your information stored, making it even easier to get a decision.
When applying for things like loans, credit cards and other financial products, organizations will often look at your credit score. Credit scores are calculated by the major credit agencies based on the financial information they have on file.
Under this system, if someone’s credit score is less-than-perfect, it can be very difficult for them to get the cash they need.
At CashNetUSA, we do things differently by offering online loans with alternative credit checks.
With our alternative credit check, we look at parts of your financial history instead of just your credit score. So even if your credit score is less than-perfect, if you have a history of responsible financial behavior (like making your payments on time) you may still be approved for a CashNetUSA loan.†
We don’t offer “bad credit loans.”
“Bad credit loan” is a phrase often used to attract anxious or desperate consumers who may be concerned about their low credit score affecting their loan eligibility. Lenders or companies claiming they can provide a cheap loan with good terms to people with “bad credit” should be avoided — they may be con artists or unlicensed businesses that are trying to take advantage of you.
If you have had past credit problems but have worked diligently to improve your financial situation, you may apply for an online loan with CashNetUSA. We pride ourselves on helping hardworking individuals get the funds they need, even if they have less-than-perfect credit.†
There are a few requirements that you always need to fulfill to successfully apply for an online loan from CashNetUSA:
You must be 18 or older1
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
If you meet all of these conditions, you can apply for an online loan from CashNetUSA.
If you’d like to learn more about CashNetUSA's online loans and our easy online loan process, you can head to our FAQs page, where we answer many of our customers’ most common questions. If you want further information, feel free to contact us via phone, email or online chat. Our customer service representatives are available seven days a week to answer your questions.