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Online loans have become much more common over the past decade. Advanced ways of making approval decisions allow online lenders to more accurately determine which applicants are able to repay. As a result, online lenders can often offer loans to people who otherwise wouldn’t qualify for credit from more traditional sources.

With CashNetUSA, the application process is fast and easy. We start by performing an alternative credit check. This uses a variety of sources to look at areas of your financial history rather than just your credit score. In addition, applying with us will not affect your FICO^® score.

What are the advantages of online loans?

Online loans provide advantages over traditional loans. They make the process of finding, applying for and receiving money much faster, easier and more streamlined. With CashNetUSA, you can apply 24/7 and receive an immediate decision.^* If you’re approved before 1:30 p.m. CT Monday – Friday, you can get an online loan as soon as the same business day!^†

Additionally, advancements in technology have made getting a loan online safer than ever. It’s still recommended to do your due diligence before applying for an online loan. For tips related to online security, you can visit our Online Security Center or the Consumer Financial Protection Bureau’s page for fraud prevention.

Compare the online funding types CashNetUSA offers.

CashNetUSA offers two different online credit options, so it’s important to know what is available in your state and how the product works before applying.

Line of Credit

A line of credit is a type of revolving credit, and in that sense operates somewhat like a credit card. If approved for a line of credit, you receive a credit limit up to a specific amount of money. From that amount, you can log in to your account and withdraw what you need. Those funds are then deposited into your checking account, and you pay interest on the funds you withdraw and, in some states, a transaction fee for each draw.

For repayment, you will have a minimum payment due each billing cycle. You can also repay sooner with no penalty to reduce the amount of interest you’ll pay. As you repay, the replenished funds become available credit. Then when you need more money, you can draw again up to your available credit (minimum $50 per draw). This unique funding method is a good fit for those who need access to credit without having to reapply each time.

Installment Loan

An installment loan is structured in a way that most people are familiar with. You apply for money, and if approved, the lender disburses all of the funds up front. You then repay a fixed amount, plus interest, on a regular schedule — commonly once or twice a month. With our installment loans, the amount of time you can repay ranges from 5 – 24 months. That period that you repay is known as the loan term. For that reason, installment loans are often known as “term loans.” With CashNetUSA, you can repay early with no penalty to save on interest!

Personal online loans are personal by nature and can be used for your individual needs. Know which type of online funding option is right for you? Check our Rates & Terms page to see what’s available in your state. If the product is available to you, go ahead and apply today!

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Does CashNetUSA offer online loans for bad credit?

CashNetUSA no longer offers payday loans. However, our line of credit and installment loan offerings may be used as payday loan alternatives depending on your funding needs. With our line of credit, you are approved for a specific amount of funds that you can withdraw when needed. With our installment loan, you receive a lump sum of money that you repay with fixed regularly scheduled payments.

As for online loans for bad credit, CashNetUSA uses alternative credit data and advanced analytics to make lending decisions. This helps us serve customers who may not qualify for more traditional forms of credit. So while we do not offer “bad credit loans,” we often are able to issue loans to people who have trouble obtaining funds elsewhere.

Online lending websites have different models.

You may come across many types of lending websites when you search for an online loan. While they are all designed to help you find a loan, how they do so may vary. Many are different from the actual lending companies that will issue and service your loan.

Lead Generator

A lead generator is a company that gathers information from a potential customer and then sells it to other companies. Lending companies partner with lead generators to obtain customer “leads,” then advertise to those potential customers. Lead generators may be able to help customers find a lender that is right for them, but they do so by selling customer information to lenders.

Affiliate Marketer

An affiliate marketer is a company that refers visitors to companies’ websites and gets paid a commission if the customer takes a certain action (such as provide their information or apply for a loan).

Price Comparison Website

People can use comparison websites to filter and compare products and services based on price, features, customer reviews and more. Sometimes these sites use an affiliate marketing model as their way of making money. Other times online lenders pay to be featured on the comparison sites in order to get more visibility and traffic.

Direct Lender

Direct lenders typically facilitate all aspects of a customer’s transaction. This includes collecting applications, assessing credit, issuing the loan and servicing the loan. CashNetUSA is a direct lender in each of the states we operate in, with the exception of Texas.

Bank Partnership

Banks partner with fintechs and other nonbank entities to provide loans on a national or multi-state basis. The partner gives the bank access to cutting-edge technology, markets the loans, and often provides origination related-services for the loans that the bank issues. The bank may later sell the loans or interests in the loans.

Lead generators, affiliate marketers and price comparison sites may help you find the lender that is best for you, but you’ll likely receive spam and advertisements along with their service. This can make borrowing through a direct online lender better for customers looking for a simple experience.

How do online loans and lines of credit compare to credit cards?

Credit cards and lines of credit are both forms of revolving credit, but they have some key differences in the way they work. With an online line of credit such as the one from CashNetUSA, the funds you draw are deposited into your bank account and paid back with a fixed interest rate and a transaction fee for each draw in some states. Credit cards, on the other hand, are used directly as the payment method for purchases and commonly have variable APRs.

Online loans, such as installment loans, are term loans repaid over a specific period of time, while credit cards and lines of credit are forms of open-ended credit.

Where can I find loan places near me?

With CashNetUSA, you don't have to! The days of looking for nearby financial companies or searching for “loans near me” are over. We offer online loans or other credit products in a wide range of U.S. states, so if you live in a state where we operate you can apply for the funds you need quickly and easily.

Currently, CashNetUSA offers or arranges online loans and lines of credit in the following states: Alabama, Delaware, Idaho, Kansas, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah and Wisconsin.

Learn more about online loans.

What online loan site is the best?

The “best” online loan site is the one that is best for the individual person. Some lenders are better for people with certain credit profiles, and not everyone qualifies for the lowest rates. When searching for the best loan website, you should start by identifying your need and then see what you qualify for.

What are the easiest loans to get?

Online loans come in different shapes, sizes and names. Typically, the more expensive the loan, the easier it is to qualify for.

Does CashNetUSA offer loans over $5,000?

CashNetUSA does not offer loans over $5,000, but the online loans offered by our partner brand NetCredit can be up to $10,000 for some qualified customers.