Loans Like CashNetUSA

Why it’s better than CashNetUSA

• No interest
• Borrow from your upcoming paycheck

• Small cash amounts
• Slower processing

EarnIn and similar cash advance apps let you borrow from your next paycheck, with payments deducted automatically, usually on payday. It’s a fast and affordable solution; you pay no interest like with a conventional loan. If you need cash right away, EarnIn can transfer funds to your linked bank account within 30 minutes for a modest fee.

The main limitation of cash advance apps is the amount you can access. EarnIn, for example, caps the borrowing amount at $150 per day and $1,000 per pay cycle. Also, keep in mind that over-relying on these advances can seriously deplete your cash flow, so use them with discernment.

Why it’s better than CashNetUSA

• Much lower APR
• Transparent fees

• Stricter requirements
• No same-day funding

Upstart is an AI lending platform where borrowers can match with lenders offering quick, short-term relief loans. The APR for these loans is 35.99%, high but much more affordable than CashNetUSA.

Upstart’s relief loans are transparent and flexible: Borrowers who make consistent payments may be able to extend their repayment period by up to five months for a one-time fee.

While Upstart will consider applicants with less-than-stellar credit, its eligibility requirements are still more stringent than CashNetUSA’s: for example, a borrower’s annual income must be at least $12,000.

Also, if you’d prefer a traditional personal loan, Upstart offers them.

Why it’s better than CashNetUSA

• Affordable
• Flexible terms

• Origination fees may apply
• Favors borrowers with good credit

LendingClub is an online bank that offers unsecured personal loans and can fund approved loans as soon as the next business day. If you need emergency cash, it’s one option to consider.

Unlike its original peer-to-peer model, LendingClub no longer connects borrowers with individual investors. Today, it operates as a traditional digital lender, using its own underwriting process to evaluate applications. When you apply, LendingClub reviews factors such as your credit score, debt-to-income ratio (DTI), income, and overall financial profile to determine eligibility and loan terms.

Borrowers typically need fair to good credit to qualify. Approval is possible with mid-range credit scores, but applicants with poor credit are less likely to be approved or may receive higher interest rates.

Why it’s better than CashNetUSA

• Much more affordable
• Longer repayment terms

• Stricter requirements
• Reports missed payments (may harm credit)

Oportun, originally a lender serving California’s lower-credit Latino community, now operates in 40 states. It accepts borrowers with little to no credit history and those with a bankruptcy record. You may even add a cosigner to boost your chances of approval or secure a lower interest.

Oportun funds both unsecured and secured loans, although the latter are available only in California, Arizona, Florida, Illinois, Nevada, New Jersey, Texas, and Utah. Borrowers who qualify for secured loans may access larger amounts at potentially lower APR.

However, these loans require using a paid-off vehicle as collateral, so defaulting would put you at risk of losing your car.

Why it’s better than CashNetUSA

• Competitive rates
• Flexible repayment terms

• Less availability for borrowers with poor credit
• Slower processing

While not advertised as a payday loan alternative, PenFed’s personal loans can fulfill this role thanks to their competitive rates, fast approvals, and flexible borrowing amounts starting from $600. The credit union charges no origination or prepayment fees.

Unlike many credit unions that restrict membership by location or line of work, PenFed will accept almost anyone as a member. However, those with very weak credit might not be eligible for a personal loan.

Why it’s better than CashNetUSA

• Lower interest rates
• Longer repayment terms
• Can help build credit

• Still expensive
• Requires regular income and direct deposit.

OppLoans is a legitimate, though not a cheap, solution for borrowers who don’t qualify with other lenders but want to avoid predatory payday loans. OppLoans requires no hard credit check, may offer same-day funding, and allows longer, more flexible repayment terms than CashNetUSA. It also reports on-time payments to credit bureaus, which can help repair credit.

The main downside of OppLoans is its interest rates: 99% to 195% APR, which is lower than CashNetUSA’s 229% to 325% but still super high.

Why it’s better than CashNetUSA

• Lower APR
• Longer repayment terms

• Stricter requirements
• May require a visit to a local branch to finalize loan

OneMain Financial is a major personal loan provider active in almost all states. It will consider borrowers with fair to poor credit, although those with better credit will likely qualify for lower rates. While OneMain is stricter than CashNetUSA in approving loans, it’s still much more accessible than traditional banks.

Compared to payday lenders like CashNetUSA, OneMain Financial offers a far more borrower-friendly loan structure, with APRs up to 36%, flexible repayment terms, and no prepayment penalties. Funding may be as fast as one hour after closing, but loan approval usually takes one to two business days.