Loans Like CashNetUSA

CashNetUSA skips your credit score, leaving you with one less worry. Yet, its triple digit APRs might just derail your financial plans.

Struggling to find a loan with better terms than CashNetUSA?
Look no further, as you've come to the right place!

Discover alternative solutions that won't make your wallet weep as much. Think lower interest rates and manageable repayments toward personal loans.

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10 Loans Like CashNetUSA

It can be frustrating to find a loan only to realize it's unavailable in your area. That's one of the tricky things about CashNetUSA—they only operate in 12 states.

If you apply and you're not in one of those states, it'll typically point you to its sister company, NetCredit. But why not just consider a lender that can help you right away?

Let's start with one that has a broader state coverage.

OppLoans: $500 to $4,000

• Processing time: Usually decided within 24 hours; funding may be available on the same business day.
  
• Cost: Check here for estimated APR by qualified state.
  
• Other products and services: Loan refinancing

You'll probably have better luck finding OppLoans in your state than CashNetUSA. While its APRs aren't exactly low, they're comparably more affordable since you won't get hit with origination fees.

Repayment terms are practical, spanning from 9 to 18 months considering the maximum loan amount is quite modest. This could help you celebrate your debt-free status sooner.

The online application is quick and easy; you may receive a decision in 24 hours. However, it can stretch to five days if additional information or documentation is needed.

Had a sudden change of mind? Just scroll to the bottom of your application page and click Cancel Your Application. Even if you've taken out a loan, you can still cancel without penalty or obligation within three days from the date you signed the loan contract.

Offer You May Like

Personal Loans: Borrow Between $5k-$100k

Click Here to Find Your Rate

Upstart: $1,000 to $50,000

• Processing time: Most borrowers are instantly approved without paperwork; funding may be available on the next business day.
  
• Cost: Check here for your individual rate; origination fee and penalties may apply subject to state guidelines.^[6]
  
• Other products and services: Car loan refinance

Upstart, an AI-driven lending platform, is changing the game for borrowers who don't have excellent credit scores. While it still looks at your credit history, Upstart also considers other aspects like where you went to school, your degree, and your work history—giving you a more personalized evaluation.

Upstart isn't lending you the money directly; it has partner banks and credit unions doing the funding. However, you'll only deal with Upstart throughout your loan, which adheres to the Military Lending Act that caps its APRs at 36%.^[7]

You can start by checking your rate on its website, which involves a soft credit check with zero impact on your credit score. If you like what you see, you can move forward with a formal application.

If you're targeting a high loan amount, you may have to present collateral, like your own car. All loan payments are reported to the three major credit bureaus, which is crucial when building credit.

Avant®: $2,000 TO $35,000

• Processing time: Usually decided in minutes; funding may be available on the next business day.
  
• Cost: Check here to see APR; administration fee and penalties may apply subject state guidelines.
  
• Other products and services: Credit cards, loan refinancing

Avant® checks a lot of boxes when it comes to personal loans. It offers reasonable APRs, generous loan amounts, and a straightforward three-step process: Check your eligibility, seal the deal, and wait for your funds to roll in.

Managing your loan can be convenient with its user-friendly mobile app, helping you stay on top of payments. Nonetheless, Avant® isn't for everyone. While it says it tries its best to accommodate different credit profiles, it tends to approve borrowers with fair credit at the very least.

Instead of origination fees, Avant® charges administration fees of up to 9.99% of your loan amount. If these fees exceed 5%, you may be eligible for a prorated refund over the remaining loan term if you pay off early.

If you think your monthly earnings won't make the cut, check out this next option first.

MoneyMutual®: Up to $5,000

• Processing time: Usually decided within minutes; funding may be available in 24 hours.
  
• Cost: APRs vary by lender; penalties may apply subject to state guidelines.
  
• Other products and services: N/A

MoneyMutual® is a free resource for borrowers by connecting you with multiple lenders in its network. It acts like an affiliate marketer because once you land an offer, you'll have to deal with the actual lender directly.

This service can be helpful if you aren't making that much. By exposing you to more lender eyeballs, some of which require a minimum monthly income of $800, it increases your chances of getting approved.

Want to know what's out there? There's only one way to find out: submit a loan request. MoneyMutual® isn't calling the shots, so requirements and APRs can bounce around quite a bit depending on which lender picks up your application.

Curious about what your monthly payments could look like with any lender? Try this personal loan calculator to crunch numbers.

CashUSA.com: $500 to $10,000

• Processing time: Usually decided in minutes; funding may be available on the next business day.
  
• Cost: APRs vary; penalties may apply subject state guidelines.
  
• Other products and services: N/A

CashUSA.com's lending marketplace helps you find lenders willing to work with you. Here are the basic criteria to qualify:

• Be 18 years old or above.
  
• Be a U.S. citizen or permanent resident.
  
• Earn at least $1,000/mo. after taxes.
  
• Employed for at least 90 days.
  
• Own a checking account holder.
  
• Have a valid email address and phone number.

The way it works is simple: you fill out the online application and CashUSA.com passes your details along to lenders who might then check out your credit info. If approved, your loan terms depend on your matched lender.

In case CashUSA.com can't match you with a loan offer, it might share limited information about you with its marketing partners. This way, you could receive offers for credit repair, debt relief, or similar services.

GreenDayOnline: $100 to $5,000

• Processing time: Most applications processed before 5 pm will be funded electronically within the next business day.
  
• Cost: APRs vary by lender; origination fees, penalties, and governmental fees may apply.
  
• Other products and services: Payday loans, title loans

You know how many lending platforms claim they'll work with bad credit? Well, GreenDayOnline seems to actually mean it. It has a roster of lenders ready to consider your application, regardless of what your credit score looks like.

However, let's be real here: this open-door policy comes with a catch. While GreenDayOnline is happy to work with you, you might not feel the same way about its APR offer.

Here's the thing—you may even be matched with a tribal lender, known for its sky-high interest rate offers. Ultimately though, you don't have to accept such an offer if it's too much for you.

When it comes to its website, it's kind of confusing with all that repeated information that sometimes doesn't quite match up. Your best bet is to submit a loan request first to know the details that will apply to you.

OneMain Financial®: $1,500 to $20,000

• Processing time: Usually decided quickly; funding may be available in one hour after loan closing.
  
• Cost: Check here to see estimated APR; origination fee, penalties, and governmental fees may apply.
  
• Other products and services: Credit cards, secured loans, loan refinancing, insurance

Do you like walking into an actual branch to discuss your loan options? Unlike your typically faceless online lender, OneMain Financial® is an established brick-and-mortar institution offering different credit products, including personal loans.

In case you need a higher loan amount, OneMain may require collateral. Not your house, but any vehicle in your name that's not more than ten years old.

Alternatively, you may bring in a co-borrower. OneMain will look at both your credentials which could boost your approval odds.

So what can you do with your OneMain personal loan? Pretty much anything reasonable like consolidating debts and paying for emergency expenses. There are a few exceptions though—you can't use it to pay for post-secondary educational expenses. And illegal activities are off the table.

PaydayChampion: $200 to $5,000

• Processing time: Usually decided in minutes; funding may be available in the same day.
  
• Cost: APRs vary by lender; origination fees, penalties, and governmental fees may apply.
  
• Other products and services: Payday loans, title loans

PaydayChampion is your go-to if you've been turned down by banks and lenders because of your credit or income situation.

As a lead generation platform, PaydayChampion will share your information with lenders in its network once you submit a loan request. Skip this service if you're not cool with your details being passed around.

But if you thought nobody would ever give you a loan, you might be surprised to receive offers in a matter of minutes. Yes, even if your credit score isn't stellar. In fact, PaydayChampion boasts an approval rate of 85%.

You may not only get a personal loan offer but other types as well, like payday loans or short-term loans. Nonetheless, expect those offers to come with high APRs and shorter repayment periods.

SoLo Funds: $20 to $625

• Processing time: May take only less than 20 minutes.
  
• Cost: No interest charge; SoLo fee, late fee, and/or recovery fee may apply for late payments^[8].
  
• Other products and services: SoLo Wallet

SoLo Funds is a peer-to-peer platform for small loans. This means individual members fund loans 100%—ranging from $20 to $625. It's essentially members helping members.

Unlike CashNetUSA or most online lenders, any loan taken out through this platform is interest-free. Borrow $100, you repay $100—it's that simple. If you're feeling generous, leave a tip for your lender and throw a little something to support SoLo.

You might wonder what the catch is. Well, you don't want to be late in your payments as penalties can stack up in a heartbeat.

Missed your due date, but repaid within 35 days of your loan date? That'll cost you 15% of what you borrowed. Longer than that, you're looking at an additional 10% of your original loan amount as a late fee, and a whopping 30% recovery fee as well.

24/7 Lending Group: $1,000 to $35,000

• Processing time: Usually decided in an hour; funding may be available within 24 hours.
  
• Cost: APRs vary by lender; origination fees and penalties may apply subject to state guidelines.
  
• Other products and services: N/A

24/7 Lending Group is a good alternative to CashNetUSA when shopping for personal loans tailor-fitted to your needs. It offers loan amounts of up to $35,000 and a maximum repayment period of six years.

When you request a loan quote, 24/7 Lending Group will run your info through its loan algorithms and determine which products are suitable for your profile and needs. It'll then serve up a neat menu of loan options to easily compare rates and terms.

Once you zero in on an offer, 24/7 Lending Group will hand you off to the actual lender to seal the deal. Don't feel pressured though. You're not locked into anything until you put your e-signature on those documents. Feel free to walk away if you don't like your deal.

Still have questions about personal loans or CashNetUSA? You'll find some answers in the coming sections.

Does CashNetUSA Approve Everyone?

CashNetUSA does not guarantee your loan approval even when you meet its eligibility criteria. After all, it still has to vet the information you provide. Where you live matters, too!

As of January 1, 2025, CashNetUSA operates in 12 states only. For the most part, it offers a line of credit. Personal installment loans are limited to residents of Wisconsin, Mississippi, and Texas.

How Can I Improve My Approval Odds?

Here are some simple, effective strategies to improve the approval odds of your loan application:

• Get a stable job
  While many lenders overlook one's credit score, they put a lot of weight on regular employment.

• Limit hard credit inquiries
  When shopping for loans, choose a lender that conducts soft pulls instead.

• Use a credit-builder loan
  Credit builder loans are recommended for those with no credit or poor credit. This motivates you to pay on time.

• Keep your credit cards open
  Closing a credit card reduces your available credit, which can impact your credit utilization ratio.

• Find a co-borrower/co-signer
  Especially if they have a high credit score and you don't, you can gain the confidence of hesitant lenders.

How to Choose Loans Like CashNetUSA

If you're considering a personal loan with CashNetUSA or a similar provider, weigh these three key factors before making a decision:

• Eligibility requirements
  Does the lender meet your financial profile? Look for specifics like minimum income requirement, credit score qualification, and state availability. This ensures you're not wasting time applying for loans you're not eligible for.

• Loan terms
  Are the APR and repayment terms reasonable for your budget? Make sure the loan amount aligns with your needs—too little or too much can create unnecessary financial strain.

• Speed
  How quickly can you get approved and funded? Some lenders provide near-instant approval and same-day funding, while others take longer.

By keeping the above considerations in mind, you can make a confident and informed choice with a loan that suits your financial goals and timeline.

Personal Loan Alternatives

While loans can fix some financial problems, you might not need them in the first place given the following options.

Cash advance app
You can potentially save on interest charges. However, even the best cash advance apps are only ideal for small amount needs.

Borrow from friends and family
Reserve this option for small amounts to ensure you can pay them back and not risk straining relationships.

Credit cards
Although the APRs will likely be about the same as a personal loan, using your credit card may be more accessible and versatile.

Payday Alternative Loans (PALs)
If you're a credit union member, ask about these since they usually have lower rates.

Savings
This may be a last resort, but in case you take it up, make sure your need won't entail depleting your entire stash.

401(k) loans
If your plan sponsor allows it, you can borrow from your 401(k) without impacting your credit score.

Methodology

When looking for loans like CashNetUSA, we put on our borrower glasses and dove deep. This wasn't just another list—this was a mission to find lenders who understand your financial reality.

We focused on loan features, the simplicity of the application process, and the quality of customer support. Our priority? Lenders who see beyond a credit score and accommodate borrowers with imperfect credit.

User reviews weren't just background noise—they were our compass. We scoured complaints, satisfaction ratings, and testimonials to separate genuine helpers from predatory lenders.

Transparency was a non-negotiable factor. Lender websites must provide clear conditions on APRs, fees, and repayment terms.

Lastly, we gave extra credit to lenders offering useful perks like financial education tools, promoting financial literacy and supporting responsible borrowing. These additional benefits are signs of a lender who cares about your overall financial health.

FAQS

Is NetCredit the same as CashNetUSA?
NetCredit and CashNetUSA are two different lenders. NetCredit operates in more states than CashNetUSA. However, they're both owned by Enova International, Inc., a publicly traded financial services company.

How to get a loan when no one will approve you?
The first important step in getting a loan after being repeatedly denied is determining the reason for the rejection. Work towards improving whatever that is, like your credit score or debt-to-income ratio.

What is a flex loan?
A flex loan is also known as a line of credit. You can draw funds as needed up to the approved limit and usually get charged interest only for the drawn amount.

What is the lawsuit against CashNetUSA?
A class action lawsuit was filed in 2009 alleging that CashNetUSA sent letters using false and misleading representations to collect debt.^[9] Both parties agreed to a settlement in 2011.

Will CashNetUSA garnish my wages?
If you default on your loan, CashNetUSA can only garnish your wages after securing an applicable court order. It can take either 25% of your earnings or the amount that exceeds 30 times the federal minimum wage—whichever is lower.^[10]

Bottom Line

CashNetUSA might seem like a quick fix, but its APRs could leave you feeling the squeeze. Lenders like OppLoans, Upstart, and eight other solid options offer more favorable terms or broader availability.

Nonetheless, don't rush into anything. Take a breath and compare those rates, really thinking about how those scheduled repayments will fit into your budget.

Remember, the best CashNetUSA alternative isn't the fastest loan you can get—it's the one that helps you move forward. You can give yourself a pat on the back later for doing your homework.

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