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Compare sites like CashNetUSA

Find a lender in your state with lower rates, longer terms and a wider range of loan amounts.

CashNetUSA is one of the biggest payday lenders in the country that also offers installment loans and lines of credit. But it’s not available in every state, and rates can be over 1,000% APR in some cases. These companies like CashNetUSA might offer lower rates and fees, more favorable terms or lower loan amounts.

10 top loans like CashNetUSA

Alternative for overdraft feature: Chime SpotMe

Chime SpotMe®

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Chime SpotMe is a no-fee overdraft feature that provides up to $200 to cover overdrafts to your Chime Checking account. To qualify, you need to make a monthly direct deposit of $200 or more into your Chime checking account and activate your Chime debit card.

SpotMe only covers overdrafts caused by ATM or debit card transactions and starts with just $20 in overdrafts. You can raise the limit in a few ways: with regular deposits and a solid account history, by qualifying for promotional bonuses offered by Chime and with SpotMe Boost, a program that allows existing members to boost a friend's overdraft feature.

  • Available in all states
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Direct deposit: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
Pros
  • No fees or tipping obligation
  • Low monthly direct deposit requirement of $200
Cons
  • Overdraft limits start at $20 and max out at $200
  • Must use with Chime Checking account and debit card
  • Overdraft only covers debit card purchases and ATM withdrawals
Loan amountUp to $200
Loan TermNext deposit
Turnaround timeSame day

For a quick payday advance

EarnIn

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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 $100 a day to a linked bank account, or more than $100 per day to an Earnin card. Regular transfers are available in one to three business days or in minutes for a fee.

  • Available in all states
Pros
  • No credit check required
  • No mandatory fees, interest or tipping
  • Free credit score tracking included
  • Cash Out more than $100 per day with an EarnIn card
Cons
  • Verification of employment earnings required
  • Same-day (Lightning) transfers attract a fee
  • Can only qualify with employment income
  • Not ideal for gig workers
Loan amountGet up to $100 per day or $750 per pay period.
Loan TermDue by your next pay date
Turnaround time1 to 3 business days, or same-day for a fee

For credit building: Cleo

Cleo

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Cleo doesn't offer advance amounts as large as CashNetUSA, but it also doesn't charge interest. Cleo offers three levels of service. For free, members can request a cash advance through customer support, and qualify for $20 to $70 advances at first, eventually qualifying for advances up to $250. 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.

If you're willing to pay $14.99 per month, you can access credit builder tools, which includes a secured credit card, early access to your paycheck and up to $500 in emergency cash advance if you set up direct deposits. And Cleo reports to all three credit bureaus, which can help you build credit if you keep up on your payments.

  • Available in all states
Pros
  • New advance available 24 hours after payoff
  • One-time due date extension
  • Budgeting and saving tools through app
  • Build credit with Credit Builder subscription
Cons
  • $5.99 to $14.99 monthly subscription fee
  • Non-subscribers must contact customer service to apply for cash advances
  • $3.99 express fee for same-day funding
Loan amountUp to $250
Loan TermVaries
Turnaround time3 to 4 days standard transfer. Same day with $3.99 express fee.

For multiple advances per pay period: Albert Instant

Albert

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Albert Instant offers up to $250 in cash advances with no interest and no late fees. You don't have to sign up for Albert's paid membership to get a cash advance, but you have to pay a small fee to access your cash instantly. You may also be eligible for multiple cash advances per pay period. But customer service can be hard to access with no available phone number, and not all fees associated with your advance are listed on Albert's website.

  • Available in all states
Pros
  • Paid membership not required to get cash advances
  • Instant delivery available for small fee
  • No late fees or inactivity fees
Cons
  • Mixed customer reviews
  • No customer service phone number
  • Some fees not listed on site
Loan amountUp to $250
Loan TermN/A
Turnaround time2–3 business days or instant for a fee

Alternative for installment loans: OppLoans Installment Loans

OppLoans Installment Loans

4.7 / 5 ★★★★★

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OppLoans is an online installment loan provider that offers APRs capped at 160%. It reports all payments to the three major credit bureaus, so it can help improve your credit. It also allows you to change your payment due date in some cases. But the income requirement might be harder to meet than CashNetUSA, and you must receive your income with direct deposit to qualify.

  • Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia
Pros
  • No APRs over 160%
  • 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 - $4,000
Interest rate typeFixed
Loan Term9 to 18 months
Turnaround timeAs soon as the same business day.

For flexible repayments: Brigit cash advance app

Brigit

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Brigit can provide a cash advance of up to $250 to cover you until your next payday, with no charged interest or late fees. If you need more time to repay the advance, you can extend your due date up to three times. 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 a month, plus an undisclosed fee if you want to use its instant transfer option.

  • Available in all states
Pros
  • No interest or late fees
  • Option to extend due date up to 3 times
  • Sends notifications when you're at risk of overdrafting
  • Automatic overdraft protection available
Cons
  • Monthly membership fee of $8.99
  • Customer support only available through email
  • Additional fee for instant transfers
Loan amountUp to $250
Loan TermVaries
Turnaround time1 to 3 business days or instantly with a fee

Doesn’t require direct deposit: Cash App Borrow

Cash App

Even after more than two years on the market, Cash App Borrow still appears to be a pilot program, only available to members who meet an unclear set of criteria, which seems to include your credit history, the state where you live and how often you use the app. If the program is available to you, you'll see it in the banking section of the app. Most agree that you can borrow up to $200 maximum, but some redditors claim to be able to borrow up to $600 or more.

You have four weeks to pay back the loan plus a 5% flat fee, which means you pay $10 on a $200 loan or 60% APR. If you don't pay it back on time, you have a one-week grace period, and then you're charged a 1.25% late fee. There is no prepayment penalty.

  • Available in all states
Pros
  • Doesn't require direct deposits to use
  • No prepayment penalty
  • Some redditors claim you can borrow multiple advances
  • App includes free peer-to-peer digital payments
Cons
  • May require a hard credit check to borrow money
  • The 5% flat fee equates to 60% APR
  • Eligibility is unclear
  • Not available in every state
Loan amount$20 to $200
Loan TermVaries
Turnaround timeSame day

For a P2P loan: SoLo Funds payday loan alternative

SoLo Funds payday loan alternative

With CashNetUSA, there's a chance of getting a 300% to over 1,000% APR. If you want to avoid high interest rates, SoLo Funds is worth checking out. It's a P2P lender that offers microloans with a short repayment period; up to 15 days. The minimum loan amount is $20 and maximum is $575. There are no interest or fees to worry about — just an optional tip of up to 10%. It may be for you if you only need a small amount of cash and can repay it quickly. However, there are steep late fees, so only commit if you're sure you can repay within the term.

  • Not available in: California
Pros
  • No interest
  • Short repayment period
  • Borrow $20 to $575
  • Tip is optional
  • Same-day turnaround available
Cons
  • Late fee of 15% principal plus $5
  • BBB accreditation pending
Loan amount$20 to $575
Loan TermUp to 35 days
Turnaround timeAs soon as the same day

For smaller cash advances: MoneyLion

MoneyLion Instacash advances

MoneyLion offers no-fee cash advances from $10 to $500, depending on your direct deposit activity. With the Credit Builder Plus program, you can get a cash advance of up to $700 out of your paycheck. And you can qualify for up to $1,000 of your paycheck per pay period if you direct deposit into your RoarMoney account.

But the Credit Builder program costs $19.99 per month. And while the site has many positive customer reviews, the Better Business Bureau (BBB) warns of a pattern of customer complaints as well as a current CFPB investigation accusing MoneyLion of overcharging its customers and trapping them in paid memberships.

  • 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
Pros
  • No cost or obligation to tip
  • No credit check required
  • Additional banking options available
Cons
  • MoneyLion membership required
  • Limited to $250 per advance unless you get extra services
  • A pattern of customer complaints
Loan amountUp to $500 or $1,000 with RoarMoney account
Loan TermDue by your next pay date
Turnaround timeUp to 5 days or instant for a fee of $0.49 to $8.99

For a short-term loan: Possible Finance

Possible Finance Mobile Installment Loans

Possible Finance offers short-term installment loans up to $500 with no credit check. You pay back the loan over two months, with payments due every two weeks, synced to your pay schedule. To help build your credit, Possible reports on-time payments to the credit bureaus, which isn't always the case with installment loans. Turnaround time can be as fast as the next business day, and the cost will likely be around $15 to $20 per $100 borrowed, but it varies by state.

  • Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington
Pros
  • 2-month loan terms with payments synced to your pay schedule
  • No credit check
  • Reports on-time payments to the credit bureaus
  • Fast turnaround time
Cons
  • Costs vary by state
  • Only available in 18 states
  • No option for longer term
Loan amount$50 - $500
Interest rate typeFixed
Loan Term2 to 8 weeks
Turnaround timeAs fast as 1 business day

How does CashNetUSA compare?

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, its rates aren’t the lowest. You could face an APR over 1,000% for some loans in a few states, such as Nevada. 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.

For more information and details on this lender, check out our full review of CashNetUSA.

Pros

  • Transparent fees and terms
  • Wide state availability
  • Payday loans, installment loans and lines of credit available
  • Same-day funding available

Cons

  • Average APR above 300%
  • Mixed online reviews
  • Faced previous government action

Check out our picks for other payday loans and low-cost alternatives for more options.

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