Quick Loans When You Need Them Most
Sorry, we don’t currently offer loans in . You may be eligible for an offer through our partner brand, NetCredit.
Check Your Eligibility
By clicking "Check Your Eligibility," you will be redirected to NetCredit.com.
Head to our Rates & Terms page to learn more.
Same-Day Deposit Available
If approved before 1:30 p.m. CT Monday – Friday†
Instant Decision*
Receive an immediate decision
Quick Application
Apply online in minutes
Get fast cash from CashNetUSA.
When emergency expenses arise, it’s critical to have the funds you need — fast. That’s why more than 4 million people have trusted our instant online loan process.
At CashNetUSA, you can complete our easy application in just minutes. We use an alternative credit check that won’t affect your FICO® score, and we’ll give you an instant decision* right after you apply.
Best of all, if you’re approved early in the day, you can receive funds fast — as soon as the same business day!†
Does CashNetUSA offer same-day loans for borrowers with bad credit?
A bad credit score can make it difficult to get a personal loan in an emergency. While we can’t approve everyone, CashNetUSA works hard to consider your finances as a whole. This allows us to approve those who may not have been approved by a bank.
When you need money fast, don’t let your credit history hold you back. Our speedy application process and quick funding allows you to get the money you need the same business day when you apply and receive approval before 1:30 p.m. CT.†
Apply and receive loan approval
before
1:30 p.m. CT
Get funds the same business day†
Apply and receive loan approval
after
1:30 p.m. CT
Get funds the next business day
It’s important to remember that all loans are serious financial commitments and you should always be sure of your ability to repay. But if you need fast cash to cover an emergency expense, apply with CashNetUSA today!
What kind of loans does CashNetUSA offer for quick cash?
CashNetUSA offers lines of credit and installment loans — however the type of funding we offer varies in each state. Visit our Rates & Terms page to see what’s available in your state.
Line of Credit
A line of credit is a type of revolving credit that allows you to draw funds up to a certain limit. As you repay, the funds become available to borrow again.
It offers ongoing access to funds that can help you cover emergencies as they pop up.
Installment Loan
An installment loan provides an upfront lump sum of cash that you can then repay in smaller chunks over time.
It can help you tackle larger, one-time expenses like emergency car repairs.
We're faster than your traditional lender.
At CashNetUSA, our application and funding process is designed for speed and ease.
Apply
Our quick application is just two short forms that request basic information. It can be completed in minutes! (It helps to have your bank account information handy.)
Get an instant decision*
Our approval process is quick and easy. We can give you an immediate decision on your application. Banks and other types of traditional lenders can take days or even weeks.
Receive funds fast — as soon as the same business day!†
If approved before 1:30 p.m. CT Monday - Friday, you can receive your funds the same business day!† That type of speed is hard to beat.
What are the requirements to apply?
You must meet the following requirements to be eligible for funding from CashNetUSA.
18 or older
Verifiable, steady source of income
Active checking account
U.S. citizen or permanent resident
We’re an online lender you can trust.
Finding a source of funds when you need them fast can be stressful. With so many companies competing for business, you’ll want to make sure the lender you choose is one you can trust. At CashNetUSA, you can rest assured knowing your information is secure and customer support is available seven days a week.
We're part of the publicly-listed company Enova, NYSE:ENVA, and have helped more than 4 million hardworking Americans.
We hold ourselves to the highest data security protocols to keep your information secure.
You can contact our U.S.-based support team and talk to a real person seven days a week.
Learn more about quick loans.
Does CashNetUSA offer payday loans?
CashNetUSA no longer offers payday loans. We do offer other forms of fast, easy funding, including lines of credit and installment loans. These forms of credit can be used for similar purposes as payday loans, and they can offer more flexibility and longer repayment periods.
Can I get a quick cash loan with no credit check?
Most lenders will perform some type of credit check before issuing you a loan. However, you may still be able to find short-term, quick loan options from alternative lenders like CashNetUSA.
We use alternative sources of information when assessing a borrower’s creditworthiness, so submitting a loan application with us will not affect your FICO® score. We consider many different factors beyond your credit report to provide a broader evaluation of your financial situation. This means those with less-than-perfect credit histories may still be able to get the quick cash they need to cover unexpected expenses.
How can I borrow money instantly?
CashNetUSA’s fast funding is about as instant as it gets. Once you complete our hassle-free online application, you’ll receive an instant decision.* If you’re approved before 1:30 p.m. CT Monday through Friday, you could get same-day funding. This can be a huge help when emergency financial needs pop up. If you’re approved after 1:30 p.m. Monday through Friday, don’t worry, you’ll still receive your funds by the next business day.†
How much can I borrow quickly when I have bad credit?
The amount you’re able to borrow will depend on many different factors. These include the type of loan you’re applying for and the financial institution’s eligibility requirements. CashNetUSA’s loan amounts vary from state to state. You can find more information about the loans and amounts offered in your state on our Rates & Terms page.
Keep in mind that while emergency borrowing with bad credit may help you solve some immediate financial problems, these types of loans can also come with high interest rates and less favorable loan terms. While many of these lenders don’t report to the traditional credit bureaus, if you fail to repay according to your loan agreement the debt may be sent to collections. This can have a negative effect on your credit score. It can be helpful to create a clear repayment plan and only borrow what you need to avoid future financial strain. CashNetUSA is here to help with flexible options and support.
What are some other fast loan alternatives?
Credit card cash advance. A credit card cash advance allows you to borrow cash from your card’s credit limit. This can be a fast and easy way to leverage credit you already have, but the amount you can borrow may be limited and cash advances often have a high interest rate and additional fees.
Title loan. A title loan allows you to use your car as collateral to secure a loan. They typically have high interest rates and must be repaid in full by your next payday. If you default, you risk losing your vehicle.
Ask family or friends. In an emergency situation, you may be able to ask friends and family for help. This can be a good option because they may not charge any interest. You should make sure to outline a clear repayment plan, otherwise your relationship could be damaged.
Loans from a bank or credit union. Banks and credit unions can provide you with a loan in times of need. Be aware that you may need a good credit score to qualify and the process may not be as fast.