Meet Wallet and Purse, the new CashNetUSA mascots. Be on the lookout for this CashNetUSA commercial and watch Wallet and Purse discuss the benefits of a fast-cash, online payday loan, while making ends meet.  Moreover, pay close attention, as we are offering an introductory promo code for your first loan while viewing this video.

Want to save even more on your next CashNetUSA loan? It’s as easy as telling your friends and family about our fast and easy online loan services, thanks to our Refer-a-Friend program!

Here’s how it works:

1. Log into your personal account and visit our Refer-a-Friend page.

2. Quickly enter the names and email address of those friends who you think might appreciate our fast online loans. We’ll send them a quick email and a promo code for 20% off their initial loan fee, thanks to your referral.

3. Once they successfully complete their loans, we’ll give you a $20 credit for every successful referral! See our Refer-a-Friend page for more info.

Best of all, you can add up several bonuses and use them on one or more of your next CashNetUSA loans. It’s an easy way to save money while helping your friends and family find a reliable short-term credit option.

Start referring today and save!

With anti-payday loan legislation either already on the books or being proposed in many U.S. States, the Consumer Rights Coalition is helping hardworking Americans protect their right to reliable credit options.

Recent payday loan bans in states like Georgia and North Carolina have left many consumers without the financial options they need to cover emergency expenses between paydays. Not surprisingly, bounced check penalties, overdraft fees and bankruptcies have skyrocketed in these states in the years following short-term loan bans.

Now with more state legislatures – including Maryland and Arizona - proposing payday loan bans of their own, some consumers are standing up and telling lawmakers that they don’t want to lose one of their last remaining credit options. One grassroots organization that is helping these customers be heard is the Consumer Rights Coalition.

The CRC is made up of over 100,000 short-term loan users who are joining together to tell policy makers that laws meant to protect citizens’ financial health are actually hurting them by taking away a reliable and licensed financial product and leaving consumers with no choice but to rack up NSF fees or miss important payments.

If you have an opinion on anti-payday legislation and want your voice to be heard as well, join the CRC in its goal of protecting the financial rights of millions of hardworking Americans.

Join today!

An online cash advance can get you the money you need for immediate money needs quickly and easily. Find out just three ways that we are getting money in your hands in a snap!

1. Convenience – Apply online for a cash advance from the comfort of home or convenience of work. Save time driving to the store and fumbling with paperwork, as with a brick and mortar cash advance.

2. Privacy – Keep your private issues private. No more weird looks at the store or faxing of confidential documents. Login to your own private account and get the money deposited directly into your bank account.

3. Speed – Apply in minutes, get fast approval and receive your money by the next business day. We work around your schedule – apply as late as 9pm CST Monday-Thursday or over the weekend by 7pm CST Sunday and still receive your cash advance the next day.

We’ve all been in this situation before: the bills are piling up, but payday is still days or weeks away. For years, the only solution to emergency cash needs was driving to a local payday loan store, filling out mountains of paperwork and waiting while you loan and funds are approved.

Now the cash advance process is much simpler – and best of all, you can complete every step from the privacy and comfort of your own home or office. With online payday loans, it takes only minutes to fill out the application, submit your information and get instant approval. Your money is deposited directly into you account the next day – no standing in line to see the teller, waiting for approval or cashing checks.

Take the embarrassment, confusion and hassle out of the payday loan process. Apply from the privacy of your own home today and get the money you need tomorrow.

It’s the beginning of the month. The bills are piling up fast and the next payday is weeks away. What do you do?

Cash advances can be a quick and simple way to take care of expenses that are due now, even if payday isn’t around the corner. Thousands of Americans rely on online payday loans to help them bridge the gap between paydays. When used responsibly, cash advances can be the answer to your short-term financial needs.

Household expenses and unforeseen bills are the most common problem for cash advance borrowers. Other situations include immediate medical care, car or transportation expenses and paying off of more costly debts.

The key to using payday loans to your advantage is to be a smart borrower. Only take out the amount you need for emergency situations and be prepared to pay that amount back over the next one or two paydays. The fees attached to payday loans are often much more reasonable than outrageous credit card penalties or bounced check fees. Always remember to use cash advances only as a short-term solution and to continue responsible financial practices to improve your standing in the long run.

One of the advantages of using online payday loan lenders is the convenience factor. Taking out a loan at a neighborhood store requires transportation, multiple identification and financial documents and especially patience while you wait in line and the approval process.

Applying for cash advances online requires only an internet connection and five to ten minutes. Online applications are most often paperless, meaning you don’t have to fax anything in. There is no waiting in line and most times than not you get the approval for your payday loan within ten seconds. Best of all, when you use licensed companies like CashNetUSA, your funds are deposited directly into your account on the very next business day.

And yet, some clients seem to be afraid that the online payday application will be too confusing for them to navigate. But rest assured that online lenders put an emphasis on superb customer service. When you apply for a cash advance with CNU, you benefit from a customer service team that is available 7 days a week – available via phone, email or online chat, your choice.

So the next time you are debating how to solve your short-term money needs. Think about the hassle of gathering up all required documents, driving around looking for a store and waiting while your loan is approved. Or, you can just turn on the computer and be a few clicks away from money next day!

A new report from the Federal Trade Commission warns of the dangers of so-called ‘credit repair’ services. These companies bombard consumers with emails, letters and pop-ups declaring a ’solution to your poor credit’. When in truth, many of these companies are unlicensed, fly-by-night operations that end up taking your money without providing any service at all.

Most honest financial consultants (the FTC included) will tell you that the only true way to improve your bad credit standing is through self-help measures. Paying off debts, finding ways to save and cutting back on unneeded expenses are traditional, but effective ways, to improve your credit standing.

One bad cycle that many consumers get trapped in is the circulating credit card debt. Most credit cards offer easy access to money, but come equipped with exceptionally high interest rates. Miss a payment or overdraw your limit and credit card companies will report this slip-up to credit bureaus, only further solidifying bad credit status.

However, short-term options such as payday loans and cash advances – when used responsibly and only in emergency situations – are a good way to overcome short-term cash needs without endangering your credit standing. Payday loans can help you out of a financial jam, without miring you in the cycle of high APR and debts that other forms of lending might.

Payday loans and cash advances are popular short-term financial solutions to cash flow needs. While these loans are often quick and simple to apply for, many customers have questions about lending regulations and the loan process. Here are some common queries:

How often do most borrowers use payday loan services?

According to the Credit Research Center (CRC), 78% of cash advance users rely on payday loans between once a year and once a month. Just over half use the service six times or fewer a year – indicating use based around unexpected and temporary cash flow problems.

Cash advances can be a responsible and hassle-free way to get needed money fast, but it’s important to remember that they are designed as short-term loans, not as long-term financial solutions.

To obtain credit counseling services, contact the National Foundation for Credit Counseling. The NFCC is a national network of non-profit Financial Care Centers dedicated to helping people learn how to budget and use credit wisely. Call 1-800-388-2227 to find a center near you.

Is my transaction confidential?

As members of the CFSA, CashNetUSA and other leading payday loan companies have a dedication to providing the highest level of customer protection. From online security features to customer-dedicated privacy policies, online payday lending is designed to offer safe & secure solutions.

How are fees determined?

All responsible lenders, which are licensed by the states in which they do business, follow strict regulations put for by the legislature in your own state.

Do I need a credit check to get payday loans?

In most cases a credit check is not needed to take out a payday loan. Cash advance lenders do, however, use services that verify every clients correct information in order to expedite and ensure quality in the loan process.

For more FAQ’s please click here.

Myth: Outspoken anti-payday “activists” are looking out for consumers best interests.

The reality is that much of the criticism surrounding payday loans is unfounded, unproven statements proliferated by anti-payday activists.

If they truly had consumer’s best interests at heart, they would realize that by running payday loan lenders out of business, they would be further limiting the already few options for short-term credit available. In most cases, these activists have taken it upon themselves to speak for the public – many of which rely on cash advances on a regular basis as a responsible borrowing alternative to bouncing checks, defaulting on loans or borrowing from scrupulous loan sharks.

For example, how does a $100 payday loan compare to other options?

$100 payday advance with a $15 fee = 391% APR
$100 bounced check with $54 NSF/merchant fees = 1,409% APR
$100 credit card balance with a $37 late fee = 965% APR
$100 utility bill with $46 late/reconnect fees = 1,203% APR.