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Payday Loans Without a Credit Check

Just when you think you’re doing well financially and have started putting some of that paycheck away into a savings account, you’re hit with an emergency expense that needs to be taken care of right away. Maybe your car is in need of a minor repair? Maybe you have a flat tire? Whatever it may be, the result is the same — a strain on your pocketbook. But what if you have less-than-perfect credit and no savings account? What do you do then? You may be wondering whether you can qualify for a loan with bad credit or poor credit.

When in need of quick cash, some people turn to a “bad credit payday loan” that may advertise that no credit check is required. They may be searching for a payday loan with no credit check requirement, or they may be seeking an opportunity where in order to qualify for payday loans no direct deposit is required. CashNetUSA, however, is a better option than lenders who make these claims. While we don’t offer guaranteed payday loans or payday loans for people with bad credit, we do encourage people with less-than-perfect credit† who are in a bind to apply. With CashNetUSA, you may be able to obtain a loan without the hassle of a traditional credit check. However, not all applicants are approved.

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.+++

Do You Meet These Requirements?

While those with less-than-perfect credit are welcome to apply, we still have a few other requirements for applying. We require each applicant to have been employed for at least one month, to be a U.S. citizen or permanent resident, to be at least 18 years old and to have an active checking account. That means that with CashNetUSA you can’t apply for payday loans without checking account; a checking account is required for eligibility.

If you do meet all of our requirements for applying and are in need of cash to cover an emergency expense, apply today! Don’t let less-than-perfect credit† keep you from applying!


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.