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Receive an immediate eligibility decision**
Get cash the next business day if approved*
We don’t offer “bad credit loans.” However, if you have had past credit problems but have worked diligently to improve your financial situation, you may apply for an online payday loan with CashNetUSA. We pride ourselves on helping hardworking individuals get the funds they need, even if they have less-than-perfect credit.†
We use an alternative credit check to look at parts of your credit history, which means that having less-than-perfect credit does not automatically disqualify you from a CashNetUSA loan.†
Nevertheless, the things that can give you a lower credit score — defaulting on debts and making late payments on bills, for instance — may be factored in when we evaluate your application. If your financial history shows a pattern of not honoring debts, your application may be declined.
Even if you are approved, you should always make sure that you will be able to repay any loan you take out. Failure to repay, or to repay on time can further lower your credit score, making it even harder to get any sort of loan or credit in the future.
The term “bad credit loan” is ambiguous and can be misleading when it comes to understanding your borrowing options. An individual’s credit is not scored using subjective descriptors like “good” or “bad,” but as a number on a continuum. What qualifies as “good” or “bad” credit can vary between different individuals and lenders.
What people are usually interested in when they ask about “bad credit loans” is whether their past credit mistakes will make it impossible for them to get a loan. This will depend on the lender, but the lower an individual’s credit score, the riskier it is for a lender to let them borrow money. If your score is very low, you should be wary of lenders who claim they can still get you a loan with very good terms — they may be scam artists or unscrupulous businesses that are trying to take advantage of you.
If you’re interested in a CashNetUSA online loan, the first thing you should do is check our Rates & Terms page to see whether we offer products in your state. If so, the actual products and loan amounts we offer will vary depending on your particular state’s laws. Read through your options to decide which loan is right for you, if any.
If CashNetUSA does offer a product you’re interested in, check to see if the following things are true:
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 these requirements, you’re eligible to apply for a CashNetUSA loan.
If you are a UK resident and want to learn about bad credit in the UK, check out QuickQuid's Guide to Bad Credit Loans.
Applying is simple! Just head over to the online application and give us some basic information.
First, we’ll want to know your name and current address. At this point, you’ll also be able to create an account with your email.
Next, we’ll need some information that will help us verify your employment status and whether you have an active bank account.
Once we’ve done all that, we’ll get to work on evaluating your application. You may even hear back instantly!**
CashNetUSA is a direct online lender dedicated to helping hardworking individuals like you get access to the funds they need to overcome financial difficulties. If you ever have any questions about our products or your account, you can get in contact with our customer service representatives. We’re available seven days a week to answer any questions you might have via phone, email or online chat.