Can I Get an Online Payday Loan with Less-Than-Perfect Credit?
Yes! At CashNetUSA, we understand that financial difficulties can affect anyone, regardless of their credit score.
If you haven’t built a strong credit score yet or if past mistakes have hurt your score, you may find yourself locked out of many borrowing options. But no one gets to choose when they’ll need emergency funds — sometimes you just find yourself in need of extra cash.
To help people get the funds they deserve, CashNetUSA offers online payday loans without running traditional credit checks. † Instead, we use national databases like Clarity that give us a unique picture of your financial history. That means a less-than-perfect credit score won’t rule out your application like it might with another lender! †
Does CashNetUSA Offer “Bad Credit” Payday Loans?
Despite the fact that we offer loans to many individuals with less-than-perfect credit, † we do not offer “bad credit” payday loans. To understand the difference, it’s helpful to think about why someone might have a low credit score. Often it’s because they have a history of financial mistakes like defaulting on debts or consistently missing payments. These
past issues suggest that they may be less likely to repay their next loan, which explains why low credit makes it more difficult to get a loan.
For this reason, you should be wary of lenders who claim to offer “bad credit” loans, especially when they claim they can give you good terms on those loans. Riskier loans are inherently more expensive, and someone who claims theirs aren’t may be a scam artist or an unscrupulous lender.
When we evaluate your financial history through databases like Clarity, we may still be able to see past mistakes like those mentioned above. So even without looking at your credit score, a history of financial mistakes may make it less likely that we can approve your loan application. Still, customers with less-than-perfect credit are welcome to apply. †
How Does a CashNetUSA Payday Loan Work?
The first thing to know if you’re interested in a CashNetUSA loan is that we offer different products in different states, depending on local regulations. Check our Rates & Terms page to see what we offer in your state of residence.
If you’d like to apply, you must meet several requirements:
Category: Payday loans