Apply for a Payday Loan with Less-Than-Perfect Credit

Save 25% on your initial loan fee for payday loans, or on your CAB or CSO fee for CAB or CSO/brokered payday loans.+++

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*

Payday Loans with an Alternative Credit Check

Can I Get a CashNetUSA Payday Loan with Less-Than-Perfect Credit?

Yes! At CashNetUSA, we understand that financial difficulties can affect anyone, regardless of their credit score.

If you haven’t built a strong credit score yet or if past mistakes have hurt your score, you may find yourself locked out of many borrowing options. But no one gets to choose when they’ll need emergency funds — sometimes you just find yourself in need of a quick loan.

To help people get the funds they deserve, CashNetUSA uses alternative credit checks for our online payday loans. Our unique credit check process helps us get a better picture of your financial history. That means a less-than-perfect credit score won’t rule out your application like it might with another lender!

Does CashNetUSA Offer “Bad Credit” Payday Loans?

Despite the fact that we offer loans to many individuals with less-than-perfect credit, we do not offer “bad credit” or "no credit" payday loans. To understand the difference, it’s helpful to think about why someone might have a low credit score. Often it’s because they have a history of financial mistakes like defaulting on debts or consistently missing payments. These past issues suggest that they may be less likely to repay their next loan, which explains why low credit makes it more difficult to get a loan.

For this reason, you should be wary of lenders who claim to offer “bad credit” loans, especially when they claim they can give you good terms on those loans. Riskier loans are inherently more expensive, and someone who claims theirs aren’t may be a scam artist or an unscrupulous lender.

When we evaluate your financial history with our alternative credit check, we may still be able to see past mistakes like those mentioned above. So even without looking at your credit score, a history of financial mistakes may make it less likely that we can approve your loan application. Still, customers with less-than-perfect credit are welcome to apply.

How Does a CashNetUSA Online Payday Loan Work?

The first thing to know if you’re interested in a CashNetUSA loan is that we offer different products in different states, depending on local regulations. Check our Rates & Terms page to see what we offer in your state of residence.

If you’d like to apply, you must meet several requirements:

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 these requirements and want to apply for a short-term loan, you can head to our application! Once there, you’ll give us some basic personal and financial information, and we’ll come back with a loan decision — often instantly!**

What Else Should I Consider Before I Apply for a Payday Loan?

One of the most important things to consider before you apply for a loan or cash advance is whether or not you actually need it. Taking out loans costs money, and they are a financial obligation until they are paid off. If your need isn’t urgent, or if there are other ways you could raise the money — friends or family, for example — you might not need to take out a loan at all.

If you do take out a loan, pay close attention to how much you will have to pay back and when. It can be helpful to create a budget of your finances so that you can see how much you can realistically pay back over a certain time frame. You should never take out a loan that you will not be able to comfortably repay.

Also before applying for a loan, check if the company you are applying with is a direct lender or merely acts as a middleman between you and a third-party lender. CashNetUSA is a direct lender everywhere except Texas and Ohio, which means that we service your loan from start to finish.++ Visit our Direct Lender page to learn more.

If you have questions, check out our FAQs page. And feel free to contact our customer support directly through email, phone or online chat. Our U.S.-based team is ready to talk seven days a week!