Summer weekends are a busy time, especially for your wallet. At CashNetUSA, you can apply even over the weekend and have your money waiting for you on Monday,* so you can take care of emergency expenses at the beginning of the week.

With the kids out of school, road trips planned and events happening constantly, the summer is a busy time. If you’re faced with an emergency expense like a car repair or medical bill over the weekend, CashNetUSA is one of the few lenders that accepts applications between Friday and Monday. Just apply by 7pm CST Sunday and, once approved, you’ll have your funds deposited by Monday.*

There’s no worse way to start the week than scrambling to find emergency funds. So take care of emergency expenses now and enjoy the fun-filled weekend worry-free!

As more states move towards pushing licensed and regulated payday lenders out of their borders, a report by the New York Fed shows that consumers in states with payday loan bans are actually suffering from more bounced check penalties and filing for bankruptcy at a higher rate.

A report filed by the Federal Reserve Bank of New York in 2008 studied the effects of payday loan bans in Georgia and North Carolina in 2004 and 2005, respectively. According to the report, consumers in these states bounced more checks, sent more complaints to the Federal Trade Commission regarding debt collectors, and filed for Chapter 7 bankruptcy more often in the years following these bans.

Below are excerpts from this report.

“Georgians and North Carolinians do not seem better off since their states outlawed payday credit: they have bounced more checks, complained more about lenders and debt collectors, and have filed for Chapter 7 (”no asset”) bankruptcy at a higher rate.”

“On average, the Federal Reserve check processing center in Atlanta returned 1.2 million more checks per year after the ban. At $30 per item, depositors paid an extra $36 million per year in bounced check fees after the ban.”

“Total complaints against lenders and debt collectors [in North Carolina] rose by over a third relative to other states….”

“[Overall,] Chapter 7 filing rates increased… 8.5 percent [under the ban].”

To read this report in full, please click here.

With more states trying to put anti-payday laws on the books, it’s important for consumers to have their voice be heard and speak out for their financial rights. If you are in a state that is considering payday loan bans and value your right to reliable short-term credit, speak up.

Click here to contact your congressman and let your voice be heard.

In today’s dog-eat-dog business world, the successful company is the one that sets itself apart from its competitors. One way to do this is to offer 24-hour service in order to target consumers that don’t fit into the ‘usual’ 9 to 5 workday attitude. Today it’s not hard to find them: 24-hour gyms, all-night diners, around-the-clock bowling alleys and pool halls – all catering to night owls or graveyard shifters.

But these are all luxury or entertainment services. What about essential services that affect your life?

At CashNetUSA, we are working hard to supply our customers with the money they need, no matter what their schedule. That’s why we’ve extended our customer service hours to 24 hours a day, seven days a week. Now our clients can get prompt, helpful answers to all their questions and concerns, no matter what time of day or night.

While other lenders limit their services to inconvenient banking hours, we pride ourselves in serving our customers when it’s convenient for them. With our online application, you can apply 24 hours a day and get instant approval. We also have the latest funding times in the industry – meaning you can apply by 9pm CST during the week and still receive your funds next day. Even apply on the weekend and receive your money on Monday morning!

Convenient and simple lending based around your schedule? What a concept! Only brought to you by CashNetUSA.com, the safe and secure online lender.

CashNetUSA is an Illinois-based company that adheres to banking regulations in several US states (and building). This means that borrowers have the assurance that their loan is made according to standards that apply to all financial institutions.

In the Internet era, a lender might otherwise be based on the other side of the world and operate outside your local standards and regulatory protections.

Most borrowers feel more confident of loan transactions and repayments with companies that have a long-term interest in building a business, as is the case with CashNetUSA. Not only are business operations based in the American heartland, customer service representatives who answer questions via phone, chat or email are based here as well.

Expenses that go beyond our paychecks are almost always a situation out of our control. It’s a natural instinct to want to regain command of finances, which in many ways also means managing the bigger picture of our life’s circumstances.

But regaining the control you need can be a frustrating experience. If your credit history is bad, it’s hard to get a bank or credit card company to advance you cash. Or, if you’re simply short on time – certain bills will incur penalties if you don’t produce a payment in a day or two, for example – long applications and wait times just won’t work.

Payday loans make sense when either time or credit histories, or both, are lacking. All you need is a job with a paycheck, a bank account. Then wait less than 24 hours for the money to arrive in your bank account. The entire transaction can be done online from the privacy of your personal computer.