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CashNetUSA and Credit Checks

Too often, an emergency expense comes up when your payday is still a number of days away. What’s even worse is when your current credit score is less-than-perfect, which can mean that getting a loan from a bank is out of the question. In these situations, many people turn to companies that claim to offer “guaranteed payday loans,” “no credit payday loans” or “bad credit payday loans” to help them overcome financial obstacles of many different natures, from car accidents to pet emergencies. If you have poor or no credit, you may be looking for a lender who’s advertising something like: “Payday loan no credit required!” But if we’ve learned anything in life, it’s that nothing is guaranteed. So what’s the real scoop — do you actually need a perfect credit history in order to get a payday loan?

Though a poor credit payday loan sounds like the ideal solution for quick cash, it’s important to realize that they can do more damage than good. You must make sure that lenders advertising bad credit loans are licensed, as well as in compliance with the laws of your state. Obtaining a loan with poor credit is possible, but it can leave you in a bad position if you aren’t careful.

New Customers: Use Promo Code CASHNET50 on Your First Loan

Save 50% on the initial loan fee of your first payday loan or receive a 50% rebate on the interest or fees of the first two payments of your first installment or installment-payday loan, respectively. Promo code not valid for the CashNetUSA line of credit product.+++

CashNetUSA is the Fast, Reliable Solution You've Been Looking For

So what option will address all your concerns? CashNetUSA may be the answer! While we do not give bad credit loans, we may be a good option to consider if your credit is less-than-perfect. We take pride in earning the trust of our customers, and in complying with state and federal laws.

Since 2004, over one million customers have selected CashNetUSA as their alternative to no credit check loans. You can avoid the risk of dealing with unlicensed lenders by taking just five minutes out of your day to complete our short application. At CashNetUSA, those with less-than-perfect credit may apply. Though we don’t perform traditional credit checks as part of the approval process, we do verify applicant information via certain national databases.


Back to Everything You Need to Know About Payday Loans

*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.

+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.

1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.