Online Loans with
Less-Than-Perfect Credit

Select your state for eligibility:
Applying doesn’t affect your traditional credit score!§
Apply Now
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*

Fast Online Loan Application — Alternative Credit Check

How Do I Apply for an Online Loan from CashNetUSA?

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.

CashNetUSA might not offer products in your state, and we offer different products, such as online payday loans, installment loans and lines of credit, in each state that we do lend in.

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.

What Does “Alternative Credit Check Loan” Mean?

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.

Does CashNetUSA Offer "Bad Credit Loans"?

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.

What Are the Requirements to Apply for a CashNetUSA Online Loan?

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.

What If I Have More Questions?

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.