Written by: Ashley Fricker
Edited by: Lillian Guevara-Castro
Reviewed by: Jon McDonald
The problem with CashNetUSA is that it doesn’t offer loans in most states — 38, to be exact. So you’ll need an alternative if you don’t reside in one of the 12 states CashNetUSA services. Luckily for you, we present nine loans like CashNetUSA and other alternatives to get the money you need.
We also provide options for obtaining larger loans than CashNetUSA can offer, as the highest available amount we see on its website is a $2,000 line of credit (available only to residents of Alabama, Delaware, and Missouri).
Best Loans Like CashNetUSA
The following companies are lender networks that operate online in all 50 states. You’ll submit a short prequalifying form to be matched with different direct lenders willing to work with you based on the information you provide.
These lenders may offer you an installment loan you repay over a few months or a payday loan you repay in a couple of weeks. There’s no credit check when you apply to a lending network and never any obligation to accept a loan offer.
1. MoneyMutual
- Short-term loans up to $5,000
- Online marketplace of lenders
- Funds available in as few as 24 hours
- Simple online form takes less than 5 minutes
- Trusted by more than 2 million customers
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| Up to $5,000 | Varies | Varies | See representative example |
MoneyMutual offers payday loans you can easily apply for online. Its website states that “Consumers with various credit histories, including those looking for emergency cash advances with bad credit, may qualify for this type of loan if they receive financial compensation from work, unemployment, retirement, disability, pension, or Social Security once or every two weeks.”
2. Avant
- Personal loans of $2,000 to $35,000
- Compare rates in 2 minutes without affecting your credit
- Best for low origination fees for bad credit
- 550 minimum credit score required
- Powered by Credible
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $2,000 to $35,000 | 9.95% – 35.99% | 12 to 60 Months | See representative example |
Avant partners with WebBank to issue loans starting at $2,000, whereas CashNetUSA is a direct lender of loans that don’t exceed $5,000 in most cases. Avant customers can apply from anywhere in the US, but CashNetUSA only services 12 states, which really limits its accessibility.
3. Upstart
- Personal loans starting at $1,000
- Find loans you prequalify for, complete your application, and close your loan
- Loans for 300+ FICO Scores
- Checking rates doesn’t impact your credit score
- Powered by Credible
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $1,000 to $50,000 | 6.40% – 35.99% | 3 or 5 Years | See representative example |
Upstart is a lending network that uses AI to help increase loan approvals by as much as 44% compared with traditional lending models. It partners with more than 100 banks and credit unions to help you find a willing lender as quickly as possible. You must earn at least $12,000 per year and have a bank account to qualify.
- Personal loans from $500 to $35,000
- All credit types are considered and welcome
- Simple, no credit impact form
- Helping consumers since 2001
- 4.7 out of 5 Trustpilot rating with 2,000+ reviews!
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $35,000 | 5.99% – 35.99% | 60 Days to 72 Months | See representative example |
24/7 Lending Group says that it works with several online lenders that exclusively accommodate consumers with poor credit, and that “these providers are going to analyze more than just your credit score and have more flexible requirements than most traditional banks and lenders do.”
5. CashUSA.com
- Loans from $500 to $10,000
- Receive a loan decision in minutes
- Get funds directly to your bank account
- Use the loan for any purpose
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $10,000 | 5.99% – 35.99% | 3 to 72 Months | See representative example |
You must earn at least $1,000 a month, after taxes, to qualify for a loan from CashUSA.com — a lending network with a near-identical name as CashNetUSA. Its website says that “If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. CashUSA.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you.”
- Small personal loans starting at $100
- Receive an approval decision in as little as 2 minutes
- Funds can be deposited into your account in one business day and used for any purpose
- No hidden fees
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $100 to $20,000 | Varies | Varies | See representative example |
Because SmartAdvances.com is an online lender network and not a direct lender, the terms of your loan will vary based on the amount of the loan and the repayment term. Its website says that “Other factors may include the state you live in, your source of income, and your repayment history.”
- Loans from $500 to $10,000
- Get connected with a lender
- Simple form & quick funding
- Get your money as soon as next the business day, if approved
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $10,000 | 5.99% – 35.99% | 3 to 60 Months | See representative example |
BadCreditLoans.com is one of the country’s top services for people seeking unsecured personal loans. Its website states, “There is no need to worry about collateral when completing our online form. You are not required to disclose the title to your car or any other form of security. You can maintain possession of your property and still look for the loan you need.”
- Loans from $250 to $5,000
- Cash deposited directly into your account
- Get money as soon as tomorrow
- Bad credit OK
- More than 750,000 customers since 1998
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $5,000 | Varies | Varies | See representative example |
CreditLoan.com offers small loans for people with poor credit. You must have a bank account to qualify for a loan product. Its site says that “if a lender is able to make you an offer, most lenders will show an electronic signature page immediately on their website where the loan terms, fees, and rates are detailed.”
- Loans from $250 to $35,000
- Large lender network
- Fast loan decision
- Use the loan for any purpose
- Funding as soon as one business day, if approved
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $35,000 | 5.99% – 35.99% | 3 to 72 Months | See representative example |
Like CashNetUSA, PersonalLoans.com can provide you with a loan for any purpose. “Whether it’s an emergency, home improvement, business startup, unexpected bill, or family vacation – a personal loan can provide the funding you need.” The highest loan amounts are reserved for applicants with good credit scores.
Best Alternatives to CashNetUSA
Of course, not everyone will qualify for a loan offer, whether it’s from CashNetUSA or any of the loan companies reviewed above. Here we present some alternatives that may be able to help.
- Cash advance apps: These payday advance apps like EarnIn and Dave can front you a small amount of your upcoming paycheck. There’s no credit check required and no hefty interest charges. Cash advance apps provide one of the most consumer-friendly ways to borrow money, and we encourage you to check them out and see if you qualify.
- Payday Alternative Loans (PALs): These are a newer type of payday loan alternative you can get from select credit unions. The National Credit Union Administration created them to provide an alternative to predatory lending. They are easy to qualify for and have low interest rates and friendly repayment terms.
- Credit card cash advances: Most credit cards allow you to withdraw cash from your available credit limit to use as needed. There’s no credit check, and you can get the cash in hand as quickly as you can visit the nearest ATM. But you’ll need a PIN, so call your bank to get all the information you need. Also, credit card issuers usually charge a fee and a higher interest rate on cash advances than on purchases made with the card. The interest begins accruing the day you withdraw the money.
- Loans from family or friends: You’ve probably already considered this, but it’s worth bringing up again. Maybe a close friend or family member can help you out in your time of need. Depending on your agreement, these loans may be interest-free, but they also involve significant risk. If you fail to repay the loan as agreed, your relationship with the lender will be challenged.
- Sell stuff online: Maybe you have something lying around you no longer use or need that could bring in some quick cash. If you price it right, you may offload the item and get the money you need as soon as today.
Bad credit borrowers have options for obtaining speedy cash, but it gets trickier the lower your credit score. If you’re denied an online payday loan, consider one of these alternatives — particularly the cash advance apps and PALs from your local credit union.
What is CashNetUSA?
CashNetUSA is a direct lender that facilitates loans in select states and partners with loan providers in others. It connects borrowers with personal lines of credit, flex loans, and Credit Access Business (CAB) loans.
Here’s everything it has to offer:
Alabama: Lines of credit up to $2,000
Delaware: Lines of credit up to $2,000
Idaho: Lines of credit up to $1,700
Kansas: Lines of credit up to $1,900
Louisiana: Lines of credit up to $1,500
Mississippi: Lines of credit up to $1,800
Missouri: Lines of credit up to $2,000
South Carolina: Lines of credit up to $1,600
Tennessee: Flex loans of up to $1,850
Texas: CAB installment loans of up to $1,200
Utah: Lines of credit up to $1,700
Wisconsin: Installment loans of up to $1,000 and lines of credit up to $1,550
CashNetUSA also partners with SpringFour to help people find “trusted local resources” that can facilitate savings in categories that include food, child care, utilities, healthcare, and disaster relief, among others.
CashNetUSA was founded in 2004 and is headquartered in Chicago, Illinois. It is a part of the publicly traded company Enova International and has served more than 4 million people.
What Credit Score Is Needed For CashNetUSA?
CashNetUSA doesn’t publicize a minimum credit score requirement to qualify for one of its loans. But considering the generally low loan amounts available from CashNetUSA, it’s safe to assume good credit isn’t a requirement.
One of its FAQs states:
“Less-than-perfect credit will not necessarily prevent you from qualifying for a CashNetUSA product. Even if you have been turned down by other lenders in the past, we may be able to help you obtain a convenient credit option that fits your needs.”
Its website also states that to be eligible for any CashNetUSA loan, you must:
- Be 18 or older (19 in Alabama and Delaware, 21 in Mississippi)
- Have a verifiable, steady income
- Have an active checking account
- Be a US citizen or permanent resident
These are pretty standard loan requirements that apply to most lenders.
How Long Will It Take to Get a Loan?
You can apply for a loan from CashNetUSA and be approved on the same day. According to the site, if you apply Monday through Friday before 1:30 PM Central Time, “you will generally receive your funds by the end of that day. If you request a draw after 1:30 PM CT, you will generally receive your funds from the lender by the next business day.
If you request a draw and it’s approved between 1:30 PM CT Friday and 1:30 PM CT Monday, you will receive your funds on Monday, unless it is a bank holiday.”
The website explains that CashNetUSA will delay your first loan until you confirm your email address. Subsequent loan withdrawals will not require you to reconfirm your email address.
Does CashNetUSA Approve Everyone?
No, CashNetUSA does not approve everyone. No lender offers guaranteed approval to all applicants, even if they have excellent credit.
You can improve your chances of approval by:
- raising your credit score before applying.
- bringing a cosigner aboard.
- finding a lender that will accept collateral for the loan (such as OneMain Financial, which uses your vehicle as collateral for a title loan).
- applying to a loan network that will match you to appropriate online lenders.
- referring to the alternatives provided above.
CashNetUSA will let you prequalify on its website before you apply, so you can at least gauge your approval odds before you submit an application.
Are NetCredit and CashNetUSA the Same?
CashNetUSA and NetCredit are both owned by Enova International, a publicly traded financing company that serves consumers in four countries — including the US and Brazil. Enova’s mission is to help “hardworking people get access to fast, trustworthy credit,” according to CEO David Fisher.
While the company owns both NetCredit and CashNetUSA, both online lending services operate as distinct entities. One significant difference between these lending sources is that NetCredit offers loans in around 30 states in the US while CashNetUSA only operates in 12 states.
Is CashNetUSA Credible?
Yes, CashNetUSA is a credible loan service available to residents of Alabama, Delaware, Idaho, Kansas, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah, and Wisconsin.
But CashNetUSA reviews are mixed. It has a:
- 1.11/5 Customer Review Rating from the Better Business Bureau.
- 4.6/5 “Excellent” rating on Trustpilot.
- 4.9/5 rating on ConsumerAffairs.
If you spot signs of a loan scam from any lender, you’re encouraged to report it to the Federal Trade Commission and submit a complaint to the Consumer Financial Protection Bureau.
Get the Loan You Need Online
The money you need is waiting for you online, whether it’s from CashNetUSA or any of the loan companies like CashNetUSA. Even though CashNetUSA’s offerings are limited, other services exist to help fair and bad credit borrowers get a quick loan online.
But no matter where your loan comes from, carefully compare loan offers to ensure you receive the loan amount, repayment term, and interest rate that best matches what you’re looking for.
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