CashNetUSA is an online lender that offers direct lenders installment loans, and lines of credit. These are facilities that will put cash in your hand fast when surprise expenses arise.
Financial emergencies happen every other time. You are not the first to be faced with a surprise expense and not have the cash to settle it. You will not be the last either. Such a situation can be scary, especially when the surprise expense that rears its ugly head can result in major problems if not settled.
Thankfully, there is CashNetUSA around to provide you with the cash you need to help you save the day when financial emergencies happen. Interestingly, there are many other loans CashNetUSA.
These loan options compete with themselves in different ways, like offering bigger loan amounts, offering longer loan terms, offering lower interest rates, and more. So, it is important to look into these loan options so that you’ll know what best suits you when you need extra cash fast.
Loans Like CashNetUSA – #1 Alternative: Viva Payday Loans
Viva Payday Loans is our number one alternative to CashNetUSA. This table is a quick comparison of the two.
|Loan Amounts||Loan Terms||APR Range||Loan Fees||Customer Support|
|CashNetUSA||$100 – $3500||6 – 24 months||85% – 449%||Depends on your state, loan amount, and term||Phone: Yes
|Viva Payday Loans||$100 – $5000||2 – 24 months||5.99% – 35.99%||Depends on your state, loan amount, and term||Phone: No
Best Loans Like CashNetUSA – Quick Picks
These are our picks of the best loans like CashNetUSA:
- Viva Payday Loans – Best for Quick Payday Loans
- Cash Central Loans – Good for Title Loans
- Blue Trust Loans – Best for Installment Loans
- Ace Cash Express – Best for Bad Credit Loans
- Big Picture Loans – Best for Paycheck Advance
What Are CashNetUSA Loans?
CashNetUSA Loans allow you to borrow money to settle emergency expenses when cash-strapped. CashNetUSA offers three borrowing options – payday Loans, installment loans, and Line of credit.
The CashNetUSA Payday loans are small short-term loans that you’ll have to pay back in full on your next Payday. Though the payday loan amounts vary by state, it is typically less than $500 for new customers.
The CashNetUSA installment loans are relatively bigger loans that range from $300 – $3,500 which you’ll have to pay back in scheduled regular installments over several months.
|Payday Loan||Installment Loan||Line of Credit|
|General overview||Short-term loan||Relatively longer-term loan||An amount of money that you can borrow from when you need it|
|Repayment||To be paid on the client’s next payday||To be paid in regular installments over several months||A minimum payment is to be made in each billing period|
|Loan Amount||Less than $500||$300 – $3,500||$100 – $2,000|
The CashNetUSA loans are no guarantor loans that only need your signature as a promise to pay. While they are not loans for bad credit, they are loans for not-so-perfect credit, so even if your credit score is not very good, your loan application can still be approved.
Common uses of CashNetUSA Loans
The list of what you can use CashNetUSA Loans for is endless. You can use CashNetUSA Loans whenever you find yourself with a bill to pay but without the money to pay it.
These uses include:
- Urgent car repair
- Repair broken appliance or equipment
- Pay utility bills
- Settle any unplanned medical bill
- Take care of emergency travel
How To Qualify For Loans Like CashNetUSA (Eligibility Criteria)
To qualify for cash loans from CashNetUSA, you must meet a few requirements, which are:
- You must be a U.S. citizen or a permanent resident
- You must be 18 years of age or older (19 years or older in Alabama; 21 years or older in Mississippi)
- Verifiable, steady source of income
- Active checking account
Top 5 CashNetUSA Payday Loans Alternatives – Fully Reviewed
In this section, the top 5 alternatives of CashNetUSA Loans are put under the microscope.
1. Viva Payday Loans – Overall Best for Payday Loans No Credit Check
Viva Payday Loans is our number one alternative to CashNetUSA. Viva Payday Loan is actually a platform that connects you with a host of direct lenders.
If you need money fast, you should consider Viva Payday Loans. It will take just about 2 minutes to apply for a loan, decisions are almost instant, and the money will be in your account the same day.
Persons from all states in the United States can apply for a Viva Payday loan. It also does not matter that you do not have a credit history. Viva Payday Loans runs no checks on your credit history. However, lenders may run credit and affordability checks.
The Viva Payday Loans are no guarantor loans that will carry you to the next paycheck. You can access these loans even if unemployed. Simply show that you receive a minimum monthly income of $1,000 and you are guaranteed the payday loan.
|Loan Amount||APR||Loan Term||Star Rating|
|$100 – $5,000||5.99% – 35.99%||2 to 24 months||5.0/ 5.0|
- Available in all states in the United States
- No credit history required
- Instant loan decision
- Quick cash sent within 24 hours
- Interest rates are high for extended loan terms
With an easy and fast application process, almost instant loan decision, and quick payment of cash, Viva Payday Loan is best for persons who need quick cash.
Having a host of direct lenders to match loan applications to, Viva Payday Loans can offer different types of payday loans. As such, you’ll find a loan offer that suits your peculiar needs, whether that be bad credit loans, unemployed loans, or no credit check loans.
2. Cash Central Loans – Good for Short Term Loans
Like CashNetUSA, Cash Central provides short-term payday loans that will put a cash deposit into your checking account. However, Cash Central is a direct lender and not a platform that allows you to apply to different direct lenders.
Being a direct lender makes Cash Central offer even quicker loan approval. Your loan application is made to it directly, so within seconds of applying, you’ll get a decision, after which you’ll receive the cash in 24 hours.
The loan amount varies per State. For example, the maximum loan amount is $2,000 for Texas but is only $500 for North Dakota and $225 for California. APR also varies by state and loan amount but can get as high as 739%. Generally, the shorter your loan term, the higher the APR. The Cash Central Payday loans are short-term loans with terms ranging from 4 days to 45 days.
|Loan Amount||APR||Loan Term||Star Rating|
|$100 – $2,000||180 – 739%||4 – 45 days||4.0/ 5.0|
- Very fast loan approval decision
- Does not give loans to persons in over 20 US states
- Very high interest rates
- Relatively high loan fees
Cash Central is designed to be a simple process for quick money. Being a direct lender, loan approval decisions are made in record time, and the money will hit your account in 24 hours. However, the Cash Central Loans are really short-term loans with some having terms as short as 4 days.
3. Blue Trust Loans – Best for Installment Loans
Blue Trust Loan is a direct lender that offers installment loans as an alternative to payday loans. Thus, Blue Trust Loans give you relatively larger loan amounts and longer loan terms.
The Blue Trust loans have a quick application process and require no guarantor or collateral. Approval decisions are also fast, and cash can be deposited into your checking account the same day.
The maximum loan amount is $1,500 for new customers, but returning customers can get up to $3,000. New customers can have up to 9 months to pay their loan while returning customers can have up to 10 months. Though APR depends on the duration of the loan and origination fees, they range from about 471% to 841%.
An interesting feature of Blue Trust Loans is the Club Blue Instalment Loans Loyalty Program. Simply get a Blue Trust Loan, pay it in with no late payments, and return for another loan. You’ll progress through the tiers of the loyalty program and get rewards like bigger loans, better rates, and longer terms.
|Loan Amount||APR||Loan Term||Star Rating|
|$100 – $3,000||471% – 841%||2 – 9 months||3.5/ 5.0|
- Quick access to cash
- Bad credit may qualify
- Longer loan terms
- Offers a loyalty program that gives higher loan amounts, better rates, and longer loan terms
- Does not provide payday loans
- Relatively high interest rate
Blue Trust Loans provides installment loans as an alternative to payday loans. This gives you access to relatively higher loan amounts, and more importantly, a flexible repayment structure. Blue Trust Loans is best for persons who want a longer duration to pay off their loans.
4. Ace Cash Express – Best for No Guarantor Loans
Ace Cash Express offers non-traditional banking. It offers a whole lot more than loans. There are payday loans and installment loans that put cash in your hand fast to cover unexpected short-term expenses. However, Ace Cash Express also offers prepaid cards and flare accounts as well as money services like check cashing and paying bills.
Unlike most CashNetUSA that offer services only online, Ace Cash Express is available online and in over 900 locations.
Talking of the Ace Cash Express payday loans, these are no guarantor loans that also do not require collateral. Applying for an Ace Cash Express loan does not affect your credit rating, as no credit check is carried out for prequalification.
Ace Cash Express is committed to helping you get the cash you need as quickly as possible, so it offers instant loan approval decisions and same-day receipt of cash whether you apply online or in-store.
The Ace Cash Express payday loans start from $100, but the maximum loan amount varies by state (the lowest is $255 for California, and the highest is $1,500 for Texas). Loan terms also vary but are typically up to 30 days. The APR depends on the loan amount and loan term but is typically high.
An interesting feature of Ace Cash Express loans is its 72 hours satisfaction guarantee. It gives 72 hours from the time of receiving the loan to choose to return the money at no cost to the borrower.
|Loan Amount||APR||Loan Term||Star Rating|
|$100 – $1,500||399% – 890.4%||9 – 30 days||4.0/ 5.0|
- Operates physical stores
- Fast loan approval decision and quick cash
- Offers other financial services like check cashing and bills payment
- Offers financial education
- 72 hours to return the loan at no cost
- Payday loans are only available in 12 states (6 states when applying online, and 10 states when applying ins-tore)
- APR not posted on the website, but are typically high
Ace Cash Express is best for people that need short-term loans, as well as people who would rather use physical locations for their loan needs. The free financial education it offers can also help persons manage their finances better. However, rates are relatively high.
5. Big Picture Loans – Low APR on Quick Loans
Big Picture Loans offer installment loans which are relatively larger than payday loans and give the flexibility of repaying over a period of time.
Big Picture Loans is actually a broker site that connects you with direct lenders, so the actual loan amounts vary depending on the lender and your state in the US. However, Big Picture Instalment loans typically range from $100 to $35,000. APR rates range from 5.99% to 35.99%, and the loan terms range from 12 months to 30 months.
One advantage of using Big Picture Loans is that you can get bad credit loans. With many direct lenders in their network, you are likely to get a lender to take and approve your request no matter your credit score. Unemployed persons can also get Big Picture Loans, but they must post monthly incomes of around $1,000.
Big Picture is also quick in getting you the cash you need. It takes about 5 minutes for loan approval, and it offers same-day direct deposit to your cash.
|Loan Amount||APR||Loan Term||Star Rating|
|$100 – $35,000||5.99% – 35.99%||12 – 30 months||3.5/ 5.0|
- Flexible repayment
- Offer bad credit loans
- Same day payment
- Payday loans are not offered
- It is not available in all US states
Big Picture Loans are best for persons who have bad credit or less-than-perfect credit. Also, the platform focuses on providing installment loans, so it’s also well suited for persons who want the flexibility of paying their loan in monthly installments over a longer period of time.
Features of Viva Payday Loans
Viva Payday Loan is our best alternative for CashNetUSA loans. The Viva Payday Loans have the following features:
It is a cash advance
Viva Payday loans put cash in your hand to meet small emergency expenses. You can get between $100 and $5,000.
It offers quick approval and funding
After submitting your loan application, the loan decision is instant. If your request is approved, the funds are deposited in your checking account in 24 hours. So, Viva payday loans is a fine option for quick cash.
It is easy to get approval
Qualifying for Viva Payday loans is easy. These loans generally require no guarantor. You also do not need a traditional job to get a loan as there are Viva payday unemployed loans.
All credit scores are welcome to apply
Because Viva Payday Loans is a marketplace of direct lenders, no matter your credit score, you are welcome to apply for a loan and are likely to get a lender to approve your request. Thus, Viva Payday loans are fine for bad credit or less-than-perfect credit
The loan terms are relatively longer
You will have 2 to 24 months to pay off your Viva Payday Loans. Thus, Viva Payday Loans give relatively longer loan terms than many other payday loans providers.
How To Get Loans Like CashNetUSA
It is relatively easy to get CashNetUSA loans as well as its alternatives. Generally, getting these loans is only a 4-step process that involves visiting the provider’s website, applying for a loan, waiting to get a decision, and receiving the cash.
These 4 steps to getting a Viva Payday Loan are shown below.
Step 1: Visit Viva Payday Loans Official Website
Visit the website i.e Viva Payday Loans. Type the URL into a web browser of choice, and launch it. You’ll be taken to the Viva Payday Loans homepage.
Step 2: Complete the Application Form
You’ll find the unmissable green ‘APPLY’ button at the top right corner of the homepage. Click on this to open the application form.
In filling the form, simply enter your details into the appropriate fields. These include your personal details (like names, date of birth, and address), employment details (employment type, net income, etc), and loan transfer details (like your bank, and account number)
Step 3: Get your Decision
After submitting your application, Viva Payday Loan will cross-check the information you submit with the lenders in its database to match you with one.
A lender you are matched with will run quick credit and affordability checks in deciding whether to approve your request. Decisions are almost instant, after which you are communicated.
If you submit a loan application to a lender directly, matching you to a lender is eliminated, and loan approval decisions are faster.
Step 4: Receive your Loan
If your loan request is approved, you’ll receive a loan document to confirm the loan. This allows you to view the details of the loan agreement (including loan amount, loan term, interest rate, late payment fees, etc).
If you agree to the terms, the cash will be deposited into your checking account. With Viva Payday Loans, you’ll receive the money within 24 hours.
Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans
Which is better, a payday loan or an installment loan?
In terms of the loan amount, installment loans tend to be bigger than payday loans. In terms of repayment, installment loans are paid in monthly installments over a longer period of time, while payday loans are paid in full on your next payday.
Thus, which is better depends on your needs. If you want a small amount that you can easily pay off when you receive your next paycheck, then payday loans will be better for you. But if you want a relatively bigger amount that you can pay off over time in small monthly installments, then an installment loan is better for you.
How do I know if I will be approved for a payday loan?
Approval strictly depends on the lender. However, Payday Loans generally have less stringent approval criteria.
[A]For example, they are no guarantor loans and no collateral loans, and you are welcome to apply even with bad credit. But this does not mean that applying for a payday loan is a guarantee that you will receive the loan.
Providers of payday loans check affordability (whether you will be able to pay off the loan) when making loan approval decisions. So, if money (about $1,000) enters your account monthly, your application is more likely to be approved.
Will applying for a loan affect my credit score?
If you apply for a payday loan with broker sites like Viva Payday Loan, it will not affect your credit score. However, when a lender is deciding whether or not to approve the loan, checks will be done that will show up on your credit history.
Can I get payday loans if I have bad credit?
Yes, you can. Payday loans are the short-term financing option for persons who will not get loans from banks.
This is because many direct lenders offer payday loans for bad credit. However, bad credit payday loans usually attract higher interest rates.
Is my personal information safe when I apply for payday loans?
Yes. You share a lot of sensitive information when you apply for a payday loan, and the providers of these loans take extra care to ensure the safety of your information.
These loan websites employ secure encryption technologies and secure servers, so your sensitive data is secure both when it is transmitted over the internet and when it is stored in their servers.