Get $50 when you register your email with us and take your first cash advance through EarnIn.
Finder members get a $50 digital Visa gift card when they open their first EarnIn account and complete a Cash Out. Offer ends on May 15, 2026.
Separate T&Cs and limits apply.
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.
EarnIn is a cash advance app that lets you borrow up to $1,000 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.
Finder Reward
Get $50 from Finder Finder members get a $50 digital Visa gift card when they open their first EarnIn account and complete a Cash Out. Offer ends on May 15, 2026.
1–2 business days standard; minutes with Lightning Speed
Costs
Free to use or within minutes with a fee as low as $3.99 per transfer
Not available in: Connecticut
EarnIn is a cash advance app that lets you borrow up to $1,000 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
Loan amount
Up to $150/day, with a max of $1000 between paydays
Loan Term
1 to 4 weeks
Turnaround time
1–2 business days standard; minutes with Lightning Speed
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 $1,000
Turnaround time
1–2 business days standard; minutes with Lightning Speed
Costs
Free to use or within minutes with a fee as low as $3.99 per transfer
Varo is a low-cost alternative to payday lenders like CashNetUSA, offering cash advances of $20 to $500 with no credit check, no late fees, and no tipping prompts. Unlike traditional payday loans that require fast repayment, Varo gives you up to 30 days to repay.
Funds are typically available the same day, and fees are flat, ranging from $1.60 to $40 depending on how much you borrow. To qualify, you'll need an active Varo Bank account and at least $800 in direct deposits over the past 30 days.
Loan Amount
$20 - $500
Turnaround time
Instant, once qualified
Costs
No membership fee, Flat Fee of $1.6 to $40
Varo is a low-cost alternative to payday lenders like CashNetUSA, offering cash advances of $20 to $500 with no credit check, no late fees, and no tipping prompts. Unlike traditional payday loans that require fast repayment, Varo gives you up to 30 days to repay.
Funds are typically available the same day, and fees are flat, ranging from $1.60 to $40 depending on how much you borrow. To qualify, you'll need an active Varo Bank account and at least $800 in direct deposits over the past 30 days.
Pros
30 day repayment window
No monthly membership fee
Same-day advances without extra fees
Cons
Fees can run as high as $40 depending on borrowed amount
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
Loan amount
$20 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 - $5,000
APR
99% - 195% APR
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.
Pros
Lower rates than CashNetUSA
Can improve credit
No prepayment penalties
Cons
Must get paid with direct deposit
Must have bank account for at least 90 days
Income requirements vary by state
Loan amount
$500 - $5,000
Interest rate type
Fixed
APR
99% - 195% APR
Loan Term
9 to 18 months
Turnaround time
As soon as the same business day
The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 99% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.
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 11.99% 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
11.99% 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 11.99% 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 11.99%
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
11.99% to 35.99%
Interest Rate Type
Fixed
Min. credit score
Not specified
Turnaround Time
As soon as one hour
Loan Term
24 – 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.
Albert is a popular all-in-one money app that provides up to $1,000 to members. You don't need a subscription to use Albert Instant, it's available to any eligible Albert member subject to eligibility requirements.
Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with Albert Instant, these features help users manage short-term cash gaps and stay on top of their finances.
Loan Amount
$25 - $1,000
Turnaround time
Within minutes
Costs
No subscription required
Albert is a popular all-in-one money app that provides up to $1,000 to members. You don't need a subscription to use Albert Instant, it's available to any eligible Albert member subject to eligibility requirements.
Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with Albert Instant, these features help users manage short-term cash gaps and stay on top of their finances.
Pros
Advance up to $1,000
Transfer funds straight to your account within minutes
Cons
Fees to transfer funds to external account
Mixed customer reviews
Loan amount
$25 to $1,000
Loan Term
2 weeks
Turnaround time
Within minutes
Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.
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 $75,000. 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 6.2%. 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
6.20%–35.99% (includes any origination fee)
Loan amount
$1,000 to $75,000
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 $75,000. 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 6.2%. 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.
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
OpenCashAdvance.com specializes in what is known as cash advance loans, which are payday cash loans. Learn more about them here.
Advertiser disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
