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:
You must be 18 or older
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
If you meet these requirements and want to apply for a short-term loan, you can head to our application! Once there, you’ll give us some basic personal and financial information, and we’ll come back with a loan decision — often instantly!**
Michael Goguen focuses on semiconductor and systems investments. Prior to joining Sequoia Capital in 1996, Michael spent 10 years in various engineering, research, and product management roles at DEC, SynOptics and Centillion, and was a director of Engineering at Bay Networks (NT). Michael was also a Technical Chairman of the ATM Forum. Michael...
Pay Day or payday is a specified day when one is paid, usually workers collecting wages from their employers.
It may also refer to:
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