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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 top 1,000% APR in some cases. These sites like CashNetUSA might offer lower rates and fees, more favorable terms or lower loan amounts.

6 top loans like CashNetUSA

For installment loans


OppLoans Installment Loans

4.4 / 5 ★★★★★

Go to site
on OppLoans's secure site
OppLoans is an online installment loan provider that offers rates 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, Illinois, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont, West Virginia
  • No APRs over 160%
  • Can improve credit
  • No prepayment penalties
  • 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 Term6 to 18 months
Turnaround time1 business day

For payday loans

Cash Central Payday Loan

Cash Central is a licensed, legitimate payday lender that offers loans entirely online. In most states it serves you can borrow between $100 and $800 with a fee of around $15 to $27. But it's a payday lender and some loans come with terms as short as four days. This can result in rates over 2,460% APR — higher than CashNetUSA offers. Go for a longer term if possible for more payment flexibility.
  • Available in: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
  • Transparent about costs
  • Entirely online application
  • Easy to find state licenses
  • APRs as high as 2,460%
  • Terms as short as four days
  • High refinancing fees, where it's available
Loan amount$100 - $2,000
Interest rate typeFixed
Loan Term4 to 35 days
Turnaround time1 to 2 business days

For when you only need $50

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Like CashNetUSA, Check Into Cash is a large national payday lender. It's one of the few providers that offers loans as low as $50 in some states. Otherwise, rates terms and fees are similar to what you'll find a CashNetUSA. However, you must be over 21 to borrow in most states.
  • Available in: Alabama, Alaska, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
  • Offers $50 loans
  • Apply online or in person
  • Same-day funding available
  • Rates can exceed others that made the list
  • Must be over 21 to borrow in most states
Loan amountVaries by state
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

For repeat borrowers

Lift Credit Installment Loans

Lift Credit can be a better option if you find yourself taking out payday loans regularly. This online installment lender offers lower rates to returning borrowers — sometimes by as much as 100 percentage points. The downside is that it's only available in Utah, Idaho and Wisconsin and requires a minimum monthly income of at least $1,300. It also doesn't report to credit bureaus.
  • Only available in: Idaho, Missouri, Utah
  • Reduced rates for repeat borrowers
  • Offers rewards and referral programs
  • Option to cancel loan the day you're approved
  • Rates as high as 450% APR
  • Only available in three states
  • Requires $1,300 monthly income
Loan amount$100 - $5,000
Interest rate typeFixed
Loan Term3 months to 1 year
Turnaround time1 business day

For when you’re not sure you’ll need a loan

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

Go to site
on ACE Cash Express's secure site
Another large national lender, Ace Cash Express offers payday loans and installment loans online and in person. Unlike many providers, it gives you 72 hours to return your loan at no cost if you decide you don't need the money. This can help you avoid a last-minute scramble if you think you might need a loan in the next few days but aren't sure. But unlike CashNetUSA, it doesn't display rates and fees online — and it gets mixed customer reviews.
  • Only available in: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Texas
  • 72-hour return period
  • Online and in-store loans
  • Same-day funding available
  • Not transparent about costs online
  • Some negative reviews
  • Available loan types vary by state
Loan amount$100 - $5,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

For quickly comparing offers

Fast5kLoans Short-term Loans Connection Service

Go to site
on Fast5kLoans's secure site
Fast5KLoans is an online connection service that allows you to compare multiple offers by filling out one quick form. This could be helpful if you want to find the best deal available to you but don't have the time. But some providers might run a hard credit check, and you could end up getting calls and emails from its partners.
  • Not available in: Arkansas, New York, Vermont, West Virginia
  • Quickly compare multiple offers
  • Wide range of loan amounts and terms
  • Funding as soon as the next day
  • Could hurt your credit
  • Doesn't disclose which states it serves
  • Marketing calls and emails from partners
Loan amount$100 - $35,000
Interest rate typeFixed
Loan Term6 months to 6 years
Turnaround timeAs soon as the next business day

How CashNetUSA compares

Our review offers a detailed breakdown of what CashNetUSA offers. But here are the main benefits and drawbacks of borrowing from this payday lender.


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


  • Average APR above 300% in most states
  • 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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