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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.

What’s changed in 2022?

We removed Cash Central in favor of SoLo Funds. While a legitimate lender, Cash Central has a high volume of BBB complaints and high interest rates. SoLo Funds offers micro payday loans with no interest, and therefore, may be a better alternative for those in need of a a quick, affordable payday advance loan.

6 top loans like CashNetUSA

Alternative for installment loans

OppLoans Installment Loans

4.4 / 5 ★★★★★

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, Illinois, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, 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

If you want a quick payday advance

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 $50 and maximum is $1,000. There are no interest or fees to worry about — just an optional tip up to 10%. If you only need a small amount of cash and can repay it quickly, it may be for you. However, there are steep late fees, so only commit if you're sure you can repay within the term.
  • No interest
  • Short repayment period
  • Borrow $50 to $1,000
  • Tip is optional
  • Same-day turnaround available
  • Late fee of 15% principal plus $5
  • BBB accreditation pending
Loan amount$50 - $1,000
Interest rate typeFixed
Loan TermUp to 15 days
Turnaround timeAs soon as the same day

Alternative 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 with 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 amount$50 - $1,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Alternative 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

Alternative for when you’re not sure you’ll need a loan

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

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

Alternative for quickly comparing offers

Fast5kLoans Short-term Loans Connection Service

3.5 / 5 ★★★★★

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 does CashNetUSA compare?

CashNetUSA is known for getting borrowers funds the same day they apply, and with loan amounts between $100 and $1,800, it’s been a solid choice for those that 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 the State of California called out CashNetUSA for violating the California Financial Code – so it’s record isn’t perfect, either.

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


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


  • 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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