Best Loans Like CashNetUSA in 2026
Explore alternatives to CashNetUSA for access to quick funds, even with bad credit, and learn about lender networks across all 50 states.
Writer: Ashley Fricker
Editor: Lillian Guevara-Castro
Reviewer: Jon McDonald
Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more info, see our ad disclosure and review policy.
Key Takeaways
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CashNetUSA only offers loans in 12 states, and the highest loan amount it advertises is $2,000.
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Other lending networks can connect borrowers with financing opportunities nationwide and may offer more than a $2,000 limit.
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Some lenders use alternative data when considering applicants rather than relying solely on credit scores.
Those with high credit scores often take easy credit access for granted, but those with blemishes on their credit reports know all too well the obstacles that lower-than-average scores can create. This is true whether financial setbacks result from chance, bad luck, or poor decisions.
The leading lender CashNetUSA does its best to consider applicants’ overall finances, not just their credit scores. It uses an alternative credit check system to open access to many on the lower side of the credit spectrum.
The challenge with CashNetUSA is its limited availability, serving only 12 states and leaving out 38 others. So, if you’re not in one of those lucky states, you’ll need to seek alternatives. Fortunately, we’ve got you covered with several loan options similar to CashNetUSA, ensuring you can access the funds you need.
We also offer solutions for securing larger loans than what CashNetUSA provides. The highest available amount listed on their website is a $2,000 line of credit, which is only available to residents of Alabama, Delaware, and Missouri.
Best Loans Like CashNetUSA
The best way to avoid issues with CashNetUSA’s limited service area is to choose a provider with a wider reach. The following companies are lender networks that operate online in all 50 states.
You’ll fill out a brief prequalifying form to connect with direct lenders ready to work with you based on the info you provide.
You might be offered an installment loan to be paid over several months or a payday loan that requires repayment in just a few weeks. What’s great is there’s no credit check when you apply through a lending network, and you’re never obligated to accept any loan offer.
1. MoneyMutual
 | Our Rating |
- 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 | Up to $5,000 |
| Interest Rate | Varies |
| Loan Term | Varies |
| Loan Example | Representative example |
| Our Expert Review | 4.8/5.0 (see review) |
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.”
 | Our Rating |
- 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 | $500 to $35,000 |
| Interest Rate | 5.99% – 35.99% |
| Loan Term | 60 Days to 72 Months |
| Loan Example | Representative example |
| Our Expert Review | 4.8/5.0 (see review) |
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.”
 | Our Rating |
- Personal loans from $100 to $20,000
- 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 | $100 to $20,000 |
| Interest Rate | Varies |
| Loan Term | Varies |
| Loan Example | Representative example |
| Our Expert Review | 4.8/5.0 (see review) |
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.”
4. Avant
 | Our Rating |
- 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 | $2,000 to $35,000 |
| Interest Rate | 9.95% – 35.99% |
| Loan Term | 12 to 60 Months |
| Loan Example | Representative example |
| Our Expert Review | 4.8/5.0 (see review) |
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.
5. Upstart
 | Our Rating |
- Personal loans of $1,000 to $50,000
- Find loans you prequalify for, complete your application, and close your loan
- Loans for 580+ FICO
- Checking rates doesn’t impact your credit score
- Powered by Credible
- See official site, terms, and details »
| Loan Amount | $1,000 to $50,000 |
| Interest Rate | 6.2% – 35.99% |
| Loan Term | 1 to 5 Years |
| Loan Example | Representative example |
| Our Expert Review | 4.7/5.0 (see review) |
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.
6. CashUSA.com
 | Our Rating |
- Loans from $500 to $10,000
- All credit types accepted
- Loan requests can be approved in minutes
- Get funds directly to your bank account
- Use the loan for any purpose
- See official site, terms, and details »
| Loan Amount | $500 to $10,000 |
| Interest Rate | 5.99% – 35.99% |
| Loan Term | 3 to 72 Months |
| Loan Example | Representative example |
| Our Expert Review | 4.7/5.0 (see review) |
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.”
 | Our Rating |
- Get up to $5,000 as soon as tomorrow
- Easy to use & only takes a few minutes
- Instant answers from lenders who want to work with you
- Funds deposited directly into your account
- All credit types welcome — good or bad
- See official site, terms, and details »
| Loan Amount | $100 to $5,000 |
| Interest Rate | Varies |
| Loan Term | Up to 180 Months |
| Loan Example | Representative example |
Borrowers can find a loan at LendingStore.com no matter if they have good credit or bad credit — or anything in between. Simply fill out an application in a few minutes, and you’ll get instant answers from lenders that may want to work with you.
You have the opportunity to borrow up to $5,000 for various needs, such as car repairs, medical emergencies, or home improvements. The funds will be directly deposited into your bank account, often by the next day.
 | Our Rating |
- Loans from $250 to $35,000
- Bad credit is no problem
- Available in all 50 states
- Use the loan for any purpose
- Fastest approval and funding
- See official site, terms, and details »
| Loan Amount | $250 to $35,000 |
| Interest Rate | 5.99% – 35.99% |
| Loan Term | 3 to 72 Months |
| Loan Example | Representative example |
| Our Expert Review | 4.5/5.0 (see review) |
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.
 | Our Rating |
- Loans from $500 to $10,000
- Helping those with bad credit since 1998
- Get connected with a lender
- Simple form & quick funding
- Get your money as soon as next day
- See official site, terms, and details »
| Loan Amount | $500 to $10,000 |
| Interest Rate | 5.99% – 35.99% |
| Loan Term | 3 to 60 Months |
| Loan Example | Representative example |
| Our Expert Review | 4.5/5.0 (see review) |
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.”
Alternatives to CashNetUSA Loans
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, so this can also be an expensive option.
- 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.
If you’ve got bad credit, you still have options for quick cash, but it becomes more challenging as your credit score drops. If an online payday loan isn’t an option, you might want to explore alternatives like 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 $2,000
Kansas: Lines of credit up to $2,000
Louisiana: Lines of credit up to $2,000
Mississippi: Lines of credit up to $1,000
Missouri: Lines of credit up to $2,000
South Carolina: Lines of credit up to $2,000
Tennessee: Flex loans of up to $2,000
Texas: CAB installment loans of up to $1,500
Utah: Lines of credit up to $2,000
Wisconsin: Installment loans of up to $1,000 and lines of credit up to $2,000
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.
Founded in 2004 and based in Chicago, Illinois, CashNetUSA is part of the publicly traded company Enova International. Over the years, it has served more than 4 million customers.
Is CashNetUSA Credible?
Yes, CashNetUSA is a reputable 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:
- 1.05/5 Customer Review Rating from the Better Business Bureau.
- 4.7/5 “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.
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 your draw request is approved between 1:30 PM CT Friday and 1:30 PM CT Monday, you’ll receive your funds on Monday, unless it’s 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 doesn’t approve everyone. No lender guarantees approval for all applicants, even those with 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.
With CashNetUSA, you can prequalify right on their website, allowing you to get a sense of your chances for approval before actually applying.
Get the Loan You Need Online
The funds you need are available online, whether from CashNetUSA or other similar loan companies. While CashNetUSA has some limitations, there are plenty of other services ready to help fair and bad credit borrowers secure quick loans 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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