Bad credit long term Loans

Can I Get an Installment Loan with No Credit Check?

CashNetUSA’s application process doesn’t involve traditional credit checks.† What this means is that we don’t contact any of the three major credit agencies — Experian, Equifax and TransUnion — to gain access to your credit rating or history.

Instead, we use national databases like Clarity to look at parts of your financial history when we make our decision. Because of this, it’s more accurate to say that we offer installment loans without traditional credit checks.† However when we consider your loan application, we’ll still be looking at many of the same factors as the major agencies do when they create your score.

Do You Offer Installment Loans for Customer with Bad Credit?

We do not offer loans for customers with “bad credit.” If you have a low credit score with the major agencies, it’s usually because you have made some poor financial decisions like failing to pay bills on time or defaulting on loans. If you have a history of these sorts of financial mistakes, it will be very difficult to get a loan because lenders will see you as a bigger risk.

CashNetUSA evaluates your application on more than a simple number. Instead, we look at a variety of factors such as payment history and past financial transactions. That means you may be approved and get the funds you need — even with less-than-perfect credit!†

What Are the Requirements for a CashNetUSA Installment Loan?

The first requirement is simply that you live in a state where we offer installment loans. Check our Rates & Terms page to see whether installment products are available where you live. Even if they aren’t, we may still offer an online loan you’re interested in.

If you can apply for the loan you want, you’ll have to meet some basic requirements to submit a valid application:

• You must be 18 or older
• You must have been employed for at least one month
• You must have a valid checking account
• You must be a U.S. citizen or permanent resident

How Do I Apply for an Installment Loan?

1. Help us verify your identity with your name, email and home address. At this point, we’ll also ask you to create a password so that you can access your new account in the future.
2. You’ll enter your employment information and bank account number so we can make sure you meet our application requirements.
3. Once you submit all your information, we’ll quickly evaluate it and give you a decision — sometimes instantly!**
4. If you accept all the terms, you’ll sign the contract and if it receives final approval, we’ll deposit your money in your bank account. You could have your funds as soon as the next business day.*

What If I Have More Questions?

At CashNetUSA, we want to make sure you understand the loan you apply for. Our FAQs answer many of our customers’ most common questions, and our customer service representatives are ready to help. Feel free to contact us with any questions you might have.

Interesting facts

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