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.

Myth: Payday loan lenders take advantage of the less-fortunate, young and minorities.

Truth: Payday loan critics have been successful in recent years at getting the American public to swallow this gross lie that cash advance lenders target the lower class. When in truth, most payday loan borrowers come from the heart of America’s middle class. They represent the stereotypical, hard-working adult, who simply may not have a financial safety net when unexpected expenditures arise.

The facts speak for themselves.*

-The majority of cash advance customers earn between $25,000 and $50,000 annually.
-94% have a high school diploma or better. 54% have some college education or degree.
-ALL payday loan borrowers have steady incomes and active checking accounts – which are required to take out a loan in the first place.
-42% own their own home.
-The majority are married and have children in their homes.

As always, you have to be suspicious of what you read. In truth, payday loans are a helpful, and often necessary tool, to help hard-working Americans deal with day-to-day issues.

*Source: The Credit Research Center, McDonough School of Business, Georgetown University, Gregory Elliehausen and Edward C. Lawrence. Payday Advance Credit in America: An Analysis of Customer Demand. April 2001.
*Source: www.cfsa.net

What is a Payday Loan?

It happens to all of us: you’re short on cash or an unexpected expense arises and payday is a couple of days or even weeks away. What’s the solution? Payday loans. They are a quick & simple solution to get the money you need without long, tedious applications – approval is usually instant and you’ll get your cash advance next day. Most loans are between $100 and $1,500 and are a smart short-term solution for your cash needs.

Unlike other types of loans, payday loans can be awarded no matter your credit status. They are fast, easy and temporary – making them a great fit for those with poor credit or who need money quickly.

CashNetUSA is revolutionizing the payday loan industry by making it faster & easier for you to get your funds. Our secure site allows you to apply online from the privacy of your own home and get approved instantly. We will deposit your funds directly into your checking account, next day. Upon maturity your loan principal and fee will be automatically removed from your account.

When should I use a Payday Loan?

Our customers choose to use our loans for a variety of uses, however some of the most common are:

Unexpected Auto or Transportation Expenses
Staying on top of Household Bills
Medical Expenses
Paying off other creditors
Recreational Expenses or Purchases

Why Choose Payday Loans?

Besides the ease of use and speed of payment, payday loans may be a better choice for your temporary money needs than other options. The short-term fees attached to our cash advances are often less expensive than credit late-fees, bounced check penalties, or overloading high-rate credit cards.

Our payday loans are automatically funded and repaid – you should only take out what you can afford to pay back. We are safe, secure and private – you receive the money you need without the embarrassment of asking family members, friends or other creditors.

With constant emails, letters and advertisements vying for your attention and business, sometimes choosing a cash advance or other short-term loan option can be overwhelming. Luckily there is an organization that is on your side, helping to leverage the vast amount of advertising and information about payday loans.

The Community Financial Services Association of America is the only national organization dedicated solely to promoting responsible regulation of the payday advance industry and helping consumers find the right loan option. Through their online advice and tools, they help promote responsible lending and borrowing practices within the industry.

As a CFSA-certified lender, CashNetUSA is also helping customers find the right choice for short-term loan solutions with fast, secure and state-licensed payday loans.