Personal Loans With an Alternative Credit Check
Select your state for eligibility:
Applying doesn’t affect your traditional credit score!§Apply NowHead to our Rates & Terms page to learn more.
Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
When you need cash now for a financial emergency, you don’t have time to wait on your funds. Going to the bank, filling out a long application and waiting days to hear whether you’ve been approved is just not an option.
With CashNetUSA, you won’t have to go through that uncertainty. Our application can be completed in minutes, and you can hear back instantly in many cases!** Not having to wait on your approval means less time worrying about your future and more time spent making it better.
If you are approved, your money will often be in your account by the next business day.* That can mean the next day, though it can also take several days if you are approved on a Friday or before a holiday.
Getting a cash loan can be hard when your credit isn’t perfect. Fortunately, CashNetUSA uses an alternative credit check when it makes lending decisions. With our proprietary approval process, we look at your financial history, not just your credit score. This means that you may be approved for a CashNetUSA loan, even if you have less-than-perfect credit!†
On the other hand, we don’t offer “bad credit loans” — if you have bad credit due to financial mistakes like a loan default or missed bill payments, you’ll still likely be declined for a loan from CashNetUSA.
Furthermore, CashNetUSA cannot help you improve your bad credit or help you build credit if you have none. There are plenty
of other financially sound ways to build your credit — our services are here to help you when you have a financial emergency that you need to cover between paydays.
Before you apply for a CashNetUSA loan, you should head to our Rates & Terms page to see whether we offer products in your state (possibilities include payday loans, installment loans and lines of credit). If we do, read over the terms and conditions to make sure you understand what you’ll be applying for.
Once you decide to apply, you just have to complete a few simple steps to get a decision:
- Start theapplication and enter some personal information like your name and address.
- Enter your financial information, including your current employer and bank account number.
- Submit! We’ll come back with a decision — often instantly!**
- If you sign the online contract and receive final approval, your money may be in your bank account as soon as the next business day.*
There are a lot of lenders out there that claim to offer fast cash, cheap. The fact is that loans are rarely cheap. A lender who claims that they can get you funds quickly and cheaply may well be a scam artist or an unscrupulous business.
When you’re deciding where to apply for fast cash, what’s really important is that you trust the lender you’re working with. CashNetUSA is a direct lender that prides itself on being clear and upfront about all our loans. We never try to hide our fees or confuse you about your interest rate — we give you all the information you need before you sign.
If you ever have any questions, our U.S.-based customer support is available to answer your questions. Just contact us by email, phone or online chat if you have any questions about your application or loan.
Category: Bank loan