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Who We Are

Since opening its doors in 2004, CashNetUSA has quickly grown into one of the online leaders in payday loan services. In 2006, it was acquired by Cash America International, Inc., one of the brick and mortar leaders in short-term lending. As a member of the Community Financial Services Association of America (CFSA), we are dedicated to responsible and licensed lending.

Today, our services are available in over 30 U.S. states and growing. CashNetUSA continues to lead the way toward the future of secure online lending and credit services,++ thanks to our team of dedicated professionals.

About_us_testimony_torres"At CashNetUSA we are dedicated to every customer we service -- after all, our customers' satisfaction is what makes us the online leader."
-Lisa Torres, Compliance Analyst
About_us_testimony_arun"I have the opportunity to work on the leading edge of technology with extremely talented people. It's a great environment for learning."
-Arun Das, Search Engine Marketing Associate

What We Do

CashNetUSA provides fast and convenient ways for consumers to bridge the gap between paydays. Discover why over 1.5 million customers rely on us as their trusted online lender.

  • Quick and Easy Application Complete our 5-minute online application, get instant approval** and get cash deposited directly into your bank account by the next business day.* There's usually nothing to fax and less-than-perfect credit is not a problem.
  • Late Application Acceptance Times Unlike some other payday loan lenders, we accept applications as late as 9pm CT Monday – Thursday for next business day funding.* If you apply on the weekend by 7pm CT Sunday, you’ll receive your cash on Monday.*
  • 24/7 Customer Service Our customer service team is available 24/7 to answer all your questions via phone, email or online chat.
  • Innovative Programs Get exclusive savings on every loan by becoming a Preferred Member or earn a $20 credit for every successful referral with our Refer-a-Friend program.

Click here if you have any comments or suggestions about how our cash advance services could better fit your needs.

Quick Facts

  • Headquarters in financial district, Chicago, IL
  • 500+ employees & growing
  • Member of CFSA
  • Over 1.5 million customers
  • Industry's first Preferred Member Program

A Short History

2004
First CashNetUSA payday loan issued
2005
Preferred Member Program launches
2006
Acquired by industry leader, CashAmerica
2007
First payday loan issued in the United Kingdom
2008
Loans available in over 30 US states

*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.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**Not all loan applications or extension requests 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, 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 and extensions 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, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.

+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.

1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.

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.