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The CashNetUSA® Advantage

At CashNetUSA, we’re dedicated to helping our customers bridge the gap between paydays from the privacy and comfort of their own home. Since 2004, our cash advance loan services have helped over 1 million satisfied customers get the money they need, when they need it most! Make Anyday Payday® with a hassle-free payday loan from CashNetUSA++ and take advantage of our::

"Thank you for being the agency in my time of need. I appreciate your patience in handling my account and I look forward to working with you in the future. Thank you again for your help."-- Angela L. - Louisiana
  • 5-minute online cash advance application
  • Instant approval,** cash by the next business day*
  • 24/7 customer service via phone, email or live chat
  • Less-than-perfect credit OK
  • No faxing or extra paperwork required***
  • Payday loan services from the convenience of your home

What Kinds of Loans Does CashNetUSA Offer?

Payday Loans: Payday Loans are short-term loans with a small dollar amount that are usually repaid on your next payday.

Installment Loans: Installment loans are medium-term loans, usually with a higher loan amount than payday loans, which are repaid gradually in installments. They may be repaid early at any time with no prepayment penalties.

Credit Service Organization Loans (CSO Loans): CSO loans are provided by one of the lenders we work with and repaid on your next payday. As a Credit Service Organization, CashNetUSA will attempt to arrange and service a loan between you and a third-party lender.

Lines of Credit: Lines of credit provide more flexible funding and repayment options than other short-term credit products. You only need to apply once and can request money as often as you need up to your available credit limit.

More on Payday Loans and Other CashNetUSA Products

Payday loans and other CashNetUSA products could be the quick and easy solution you're looking for when in need of a loan days, or even weeks, before your next payday. Why pay for overdraft charges, credit card late fees or missed payment fees when payday loans and CSO loans are a much more affordable alternative? Just borrow the money you need now and pay it back on your next payday — it’s that simple! But what if you need more flexible funding options? Our installment loans and lines of credit offer more flexibility for repayment, as well as higher loan amounts! We offer something for everybody! Visit our Rates & Terms to check the availability of these products in your state. And best of all, with our payday loans and other CashNetUSA products, you can have cash deposited directly into your bank account as soon as the next business day!*

Can You Extend Payday Loans and Other CashNetUSA Products?

You have several options when it comes to repaying your payday loans and other CashNetUSA products:

Payday/CSO
  • Payment in Full: Pay off the loan in full on your next payday.
  • Extension: If, for whatever reason, you are unable to repay your loan in full on your first payday, you may be eligible to extend your loan and pay only the fees that are due. Your loan will carry over until your next pay cycle, at which time your principal and new loan fees will be due.
  • Partial Payment: If you are unable to make your full payment, you can pay your loan fees and some of the principal of your loan on your first payday. This partial payment will lower the outstanding principal on your loan, which will also lower your upcoming loan fee. Your remaining loan principal and fee will be due at the end of your next pay cycle.
Installment
  • Installment Payment: Pay back your loan principal, plus accrued interest, in a number of scheduled payments made over several months.
  • Payment in Full: You may pay back your loan in full at any time without any prepayment charges.
  • Early/Partial Payment: If you are unable to make your full payment, you can pay your loan fees and some of the principal of your loan on your first payday. This partial payment will lower the outstanding principal on your loan, which will also lower your upcoming loan fee. Your remaining loan principal and fee will be due at the end of your next pay cycle.
Line of Credit
  • Minimum Payment: Each billing cycle, you must pay all interest accrued from the previous billing period, plus a percentage of the total of (i) the principal balance, (ii) the total balance of cash advance fees and (iii) any late fees. This will be automatically deducted from your bank account on the due date if you choose the electronic payment method.
  • Additional Payment: In addition to your minimum payment, you may make payments in any amount, at any time, by logging into your online account or by calling 888.627.6463. Repaying your account balance early can reduce your interest.
  • Payment in Full: You may pay back your loan in full at any time without any prepayment charges.
The availability of an extension and partial payment is subject to approval by CashNetUSA and individual state requirements. These repayment options are not available in all states.

How Do I Prequalify for Payday Loans and Other CashNetUSA Products?

In order to become eligible for payday loans and other CashNetUSA products, you must:

  • Have an active checking account
  • Have been employed for at least 1 month
  • Be a U.S. citizen or permanent resident
  • Be at least 18 years old

If you meet our requirements and are in need of money quickly, fill out our quick and easy-to-understand application online for the cash advance you need today!

Read more about payday loans.

*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.

**Not all loan applications are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Tele-Track and Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, (ii) in Texas, act as a Credit Access Business between you and a third-party lender, or (iii) connect you with a financial matching service.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.