CashNetUSA is one of the oldest short-term lenders in the country and offers installment loans and lines of credit up to $3,000. But it’s not available in most states, and rates can reach over 300% APR in some cases. These companies like CashNetUSA may offer lower rates and fees, more favorable terms and a wider variety of loan amounts and terms.
Cleo doesn't offer advance amounts as large as CashNetUSA, but it doesn't charge interest. And, unlike many loans and cash advance apps, it doesn't require minimum recurring deposits. This feature makes it ideal for freelancers, gig workers and other self-employed individuals who may have irregular income.
You can request advances up to $250 — or up to $100 for first-time users — through customer support without a membership. However, advances are easier to request through the app if you pay the $5.99 monthly subscription fee, which also comes with personal financial management tools. But there's also a fee for transfers that can go as high as $9.99.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Available in all states
Cleo doesn't offer advance amounts as large as CashNetUSA, but it doesn't charge interest. And, unlike many loans and cash advance apps, it doesn't require minimum recurring deposits. This feature makes it ideal for freelancers, gig workers and other self-employed individuals who may have irregular income.
You can request advances up to $250 — or up to $100 for first-time users — through customer support without a membership. However, advances are easier to request through the app if you pay the $5.99 monthly subscription fee, which also comes with personal financial management tools. But there's also a fee for transfers that can go as high as $9.99.
Pros
Accepts self-employed and gig workers
One-time due date extension
Budgeting and savings tools through app
Cons
$5.99 to $14.99 monthly subscription fee
Non-subscribers must contact customer service to apply for cash advances
$3.99 to $9.99 fee for same-day funding
APR
0%
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days or instant for a fee.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Unlike CashNetUSA, OppLoans reports payments to the three major credit bureaus, so it can help you build or improve your credit. It's an online installment loan provider similar to CashNetUSA, but its APRs are capped at 195%, which is a bit lower than CashNetUSA's rates. It also allows you to change your payment due date in some cases. But the income requirement may be harder to meet than CashNetUSA, and you must receive your income by direct deposit to qualify.
Loan amount
$500 - $4,000
Turnaround time
As soon as the same business day.
Online application
Yes
Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia
Unlike CashNetUSA, OppLoans reports payments to the three major credit bureaus, so it can help you build or improve your credit. It's an online installment loan provider similar to CashNetUSA, but its APRs are capped at 195%, which is a bit lower than CashNetUSA's rates. It also allows you to change your payment due date in some cases. But the income requirement may be harder to meet than CashNetUSA, and you must receive your income by direct deposit to qualify.
EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there's no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee.
Loan amount
Up to $750
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Not available in: Connecticut
EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there's no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee.
Pros
No credit check or monthly membership required
No interest or mandatory tipping
Free credit score tracking included
Cash Out more than $150 per day with an EarnIn card
Cons
Verification of employment earnings required
Same-day transfers attract a fee
Can only qualify with employment income
APR
0%
Loan amount
Up to $150/day, with a max of $750 between paydays
Loan Term
1 to 4 weeks
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.
Loan amount
Up to $750
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Unlike CashNetUSA, OneMain Financial offers a secured loan option, which may make it easier to qualify. You can also add a cosigner to your loan, which might help you qualify for a better rate. Loans from OneMain are significantly larger than CashNetUSA, ranging from $1,500 to $20,000, and rates are between 18% and 35.99%. However, you may need to visit a branch office to finalize your loan, and it charges origination fees of up to 10%.
Min. credit score
Not specified
APR
18% to 35.99%
Loan amount
$1,500 to $20,000
Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont
Unlike CashNetUSA, OneMain Financial offers a secured loan option, which may make it easier to qualify. You can also add a cosigner to your loan, which might help you qualify for a better rate. Loans from OneMain are significantly larger than CashNetUSA, ranging from $1,500 to $20,000, and rates are between 18% and 35.99%. However, you may need to visit a branch office to finalize your loan, and it charges origination fees of up to 10%.
Pros
Offers a secured option and cosigners
Loans up to $20,000
Rates start at 18%
Cons
Origination fee up to 10%
Loan process may not be fully online
Minimum loan amount is relatively high
Loan amount
$1,500 to $20,000
APR
18% to 35.99%
Interest Rate Type
Fixed
Min. credit score
Not specified
Turnaround Time
As soon as one hour
Loan Term
24, 36, 48 or 60 months
* OneMain Disclosures:
Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.
If you're looking for more from a banking app than just cash advances, you may want to consider Albert. It offers multiple features, including bank accounts, budgeting tools, identity protection and the ability to buy and sell securities through self-directed investing or professionally managed options. It also offers Albert Instant, with advances and overdraft protection up to $250 with no credit check, interest or late fees.
But you'll need a Genius subscription to qualify for advances, there are fees to transfer funds to an external bank account and eligibility requirements aren't very clear. Albert also has some poor customer reviews, with many users saying it can be difficult to cancel your subscription.
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$11.99 monthly subscription to access overdraft protection
Available in all states
If you're looking for more from a banking app than just cash advances, you may want to consider Albert. It offers multiple features, including bank accounts, budgeting tools, identity protection and the ability to buy and sell securities through self-directed investing or professionally managed options. It also offers Albert Instant, with advances and overdraft protection up to $250 with no credit check, interest or late fees.
But you'll need a Genius subscription to qualify for advances, there are fees to transfer funds to an external bank account and eligibility requirements aren't very clear. Albert also has some poor customer reviews, with many users saying it can be difficult to cancel your subscription.
Pros
Has investing tools and other features
Offers advances and overdraft protection
No interest or late fees
Cons
Requires a Genius subscription
Fees to transfer to an external account
Mixed customer reviews
Loan amount
$25 to $250
Loan Term
Within 6 days of overdraft, with possible 7-day extension
Turnaround time
Instant
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$11.99 monthly subscription to access overdraft protection
Most lenders like CashNetUSA don't give you a lot of flexibility around your repayment dates. But Brigit gets that sometimes you need a little more leeway and lets you extend your due date up to three times. It also provides cash advances of up to $250 with no interest charges, late fees or a credit check. The app also has an overdraft feature that alerts you when your bank balance is low and provides automatic overdraft protection. But the service costs $8.99 to $14.99 for a monthly membership, plus an undisclosed fee if you want to use its instant transfer option.
Loan amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Most lenders like CashNetUSA don't give you a lot of flexibility around your repayment dates. But Brigit gets that sometimes you need a little more leeway and lets you extend your due date up to three times. It also provides cash advances of up to $250 with no interest charges, late fees or a credit check. The app also has an overdraft feature that alerts you when your bank balance is low and provides automatic overdraft protection. But the service costs $8.99 to $14.99 for a monthly membership, plus an undisclosed fee if you want to use its instant transfer option.
Pros
Option to extend due date up to 3 times
No interest or late fees
Sends notifications when you're at risk of overdrafting
Automatic overdraft protection available
Cons
Monthly membership fee of $8.99 to $14.99
Additional fee for instant transfers
Customer support only available through email
Loan amount
$50 to $250
Loan Term
Until your next payday, but can extend
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Loan amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Upstart offers much larger loan amounts than CashNetUSA, with amounts ranging from $1,000 to $50,000. And it considers borrowers with poor credit or no credit history at all. Instead, it considers your education, income and career path, among other factors. It also offers much better rates than CashNetUSA, starting as low as 6.7%. But it requires a hard credit check — which can temporarily lower your score — it charges origination fees and minimum loan amounts are higher in some states.
Min. credit score
300
APR
6.70% to 35.99%
Loan amount
$1,000 to $50,000
Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia
Upstart offers much larger loan amounts than CashNetUSA, with amounts ranging from $1,000 to $50,000. And it considers borrowers with poor credit or no credit history at all. Instead, it considers your education, income and career path, among other factors. It also offers much better rates than CashNetUSA, starting as low as 6.7%. But it requires a hard credit check — which can temporarily lower your score — it charges origination fees and minimum loan amounts are higher in some states.
Most cash advance apps top out between $200 and $300, but MoneyLion offers advances up to $500 — or up to $1,000 if you sign up for a RoarMoney account with qualifying deposits. And unlike CashNetUSA, it doesn't charge interest or fees or even require a credit check. With a RoarMoney account, you can also get paid up to two days early, earn cashback rewards and start investing using Round Ups. But you'll have to pay a fee for instant transfers, and it can take weeks or months to work up to the largest advances.
And, while the site has many positive customer reviews, the Better Business Bureau (BBB) warns of a pattern of customer complaints. A CFPB investigation also accuses MoneyLion of overcharging its customers and trapping them in paid memberships.
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Costs
Free
Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
Most cash advance apps top out between $200 and $300, but MoneyLion offers advances up to $500 — or up to $1,000 if you sign up for a RoarMoney account with qualifying deposits. And unlike CashNetUSA, it doesn't charge interest or fees or even require a credit check. With a RoarMoney account, you can also get paid up to two days early, earn cashback rewards and start investing using Round Ups. But you'll have to pay a fee for instant transfers, and it can take weeks or months to work up to the largest advances.
And, while the site has many positive customer reviews, the Better Business Bureau (BBB) warns of a pattern of customer complaints. A CFPB investigation also accuses MoneyLion of overcharging its customers and trapping them in paid memberships.
Pros
Advances up to $1,000
No credit check or interest charges
Get paid early and earn cashback rewards
Cons
Fees for fast transfers
Can take a while to qualify for larger advances
A pattern of customer complaints
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
CashNetUSA is known for getting borrowers funds the same day they apply, and with loan amounts between $100 and $3,000, it’s been a solid choice for those who need a smaller amount of cash quickly.
However, rates can run high — although it is up front about the costs. You could face an APR of over 300% for loans in some states, and transaction fees for lines of credit are 15% of the advance. Plus, it’s only available in 12 states. In 2015, the Commissioner of Business Oversight in California called out CashNetUSA for violating the California Financial Code — so its record isn’t perfect, either.
No. NetCredit and CashNetUSA are two separate companies, but they are both brands under the parent company, Enova International.
What credit score is needed for CashNetUSA?
CashNetUSA doesn’t specify a minimum credit score needed to qualify, but it says that it considers some aspects of your credit profile — such as payment history — and other factors when determining loan approval.
Will CashNetUSA improve my credit score?
No. CashNetUSA doesn’t report your payment history to the major credit bureaus, so getting a loan from it won’t help you build credit.
Lacey Stark is a freelance personal finance writer for Finder, specializing
in banking, loans, investing, estate planning, and more. She has 20
years of experience writing and editing for magazines, newspapers, and
online publications. A word nerd from childhood, Lacey officially got her
start reporting on live sporting events and moved on to cover topics
such as construction, technology, and travel before finding her niche in
personal finance. Originally from New England, she received her
bachelor’s degree from the University of Denver and completed a
postgraduate journalism program at Metropolitan State University also
in Denver. She currently lives in Chicagoland with her dog Chunk and
likes to read and play golf. See full bio
If you have bad credit and need cash fast, consider Speedy Cash for your next payday or installment loan.
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