Get your TIVOs ready - the debut of CashNetUSA’s very first television advertising campaign is just around the corner! CashNetUSA’s first television campaign consists of two separately themed CashNetUSA commercials. One CashNetUSA commercial is shot in live action and the other CashNetUSA commercial is completely graphical. Each CashNetUSA commercial will run in 60- and 30-second versions on cable television stations across the country. The CashNetUSA commercial pilots are set to kick off Today (September 8th, 2008)!

Despite a strong offline marketing presence from store-front lenders, CashNetUSA will be the first purely online lender to advertise via television. The CashNetUSA commercials will showcase CashNetUSA as a convenient alternative for payday loan customers who may not be aware of online payday services, or of CashNetUSA. The CashNetUSA commercials will highlight the benefits of a CashNetUSA payday loan such as funding usually next business day and a five-minute online application at CasNetUSA.com.

CashNetUSA looks forward to a successful launch for its CashNetUSA commercials, which will hopefully lead to more CashNetUSA television and offline advertising programs in the future. Keep your eye out for these initial CashNetUSA commercials and even more exciting marketing initiatives from CashNetUSA.

Recently, several states have implemented payday loan interest-rate ceilings reducing customer access to expensive payday loans. At first, this legislation on the payday loan industry might seem in the payday loan customer’s favor, but really, ceilings on payday loan interest rates may hurt low-income families reliant on payday loans when unexpected expenses arise.

In his article, titled “Usury Ceilings Hurt Low-Income Families Most,” Ph.D. J. R. Clark writes, “The availability of even expensive short-term credit enables consumers to survive financial and other “shocks” that would otherwise cause them to seek bankruptcy protection, leave the workforce, or forgo crucial purchases, including medical care or auto repairs essential for a worker’s commute.”

Without access to payday loans, much of the under-banked community would be left to struggle with emergency expenses that could be taken care of with a payday loan.

As payday loan interest rate ceilings are introduced, many payday loan companies are forced to drop out of states where they previously did payday loan business. This reduction in access to payday loans can force payday loan customers to borrow its payday loans from unregulated and unlicensed payday loan companies. Dealing with any unlicensed company is always risky whether a cash advance or payday loan is involved or not. When payday loan companies are not licensed, their payday loan interest rates may be several times higher than licensed payday loan companies.

Ph.D. J. R. Clark goes on to write that there is significant academic and market evidence that high-interest lending such as payday loans increases the welfare of borrowers. To view his entire payday loan article, click below:

Ph.D. J. R. Clark’s Article

National Public Radio has for decades been heralded as one of the last outposts of unbiased news gathering in the US media. Not surprising then, that one of the most popular news programs, “Marketplace” took an eye-opening look at the truth behind payday loans and how are serving American consumers.

The report was an honest look at how payday loans have become a responsible and necessary form of lending for millions of Americans that need financial relief between paydays. Completely unbiased, the reporting provided all sides of the story, not merely the unsubstantiated view of payday lenders as ‘loan sharks’, which is a popular, if completely uncredited, viewpoint put forth by several ‘consumer advocacy’ groups.

The report, which you can listen to here, took a look at how consumers in states such as Georgia and North Carolina have fared since regulations forced payday lending out of their state. With few, if any, fast cash or legitimate cash advance solutions, consumers in these states paid nearly $38 million in bounced check and account overdraft penalties last year.

The piece came not only as a fair view of how payday loan and cash advance lenders are providing easy and responsible financial options to American consumers, but also as a warning for states that may be pushing for increased lending restrictions in the near future.

So far, this winter has been a roller coaster ride for consumers following the financial decisions coming out of Washington.

First, the IRS announced that the tax refunds of millions of Americans would be delayed by two months or more - cash that many Americans rely on to cover past debt, pay bills or use to repay the money they borrowed over the holidays.

Now, the government is working fast to enact a new Economic Stimulus package that would send checks of between $300 - $1,200 to the majority of American taxpayers. The act is designed to stimulate the sluggish economy by encouraging consumers to spend the money that they would not have otherwise had. Many financial experts are suggesting that consumers take a smarter approach and use at least a portion to pay down high-rate credit card balances or other outstanding debts.

While the financial future for many taxpayers may be bright, these decisions coming out of Washington do not face one important factor - the immediate need of consumers in the short-term. Like many Americans, you may feel the pressure of delayed tax refunds at the very time that holiday bills and increased winter expenses are coming due.

Luckily, there is a responsible short-term financial solution to hold you over until your refund comes. A next-day cash advance can help you find the money you need for monthly bills or emergency expenses without adding to your credit card debit or risking overdrawn bank penalties. Best of all, they are simple and fast - you can apply for a payday loan online in minutes and get the money in your account by the next business day. These no-fax cash advances⁴ are available to all consumers, even to people with poor credit³.

Financial decisions that come out of Washington affect us all, whether we have a say in them or not. But with fast online cash advances and payday loans from CashNetUSA, you have the power to Make Anyday Payday.

The holiday season may be a distant memory of shiny gifts, turkey dinners and the infamous fruitcake - but if you are like most Americans, the seasonal expenses that you collected during the holidays are still coming on strong.

To add to the financial frustration, the IRS has just announced that as many as 13 million Americans will see a significant delay in their tax return refunds - money that many people earmark to pay off those holiday expenses. Due to a last minute change to the tax code, the IRS estimates that as much as $45 billion in tax refunds could be delayed by seven weeks or more! Learn more.

Luckily, there is a fast and secure financial solution to keep your head above water during this trying time of year. A next-day cash advance from CashNetUSA can help you get the money you need to pay off those immediate seasonal expenses while you wait for your income tax refund. With a fast and simple online application, instant approval² and money wired directly to your banking account, a payday loan from CashNetUSA is the hassle-free online option.

Feel confident borrowing from one of the leading licensed online lenders - CashNetUSA is approved for lending by the states in which it does business and is a proud member of the CFSA and Better Business Bureau.

If holiday bills have left you anything but merry and you were counting on a fast income tax refund, consider a next-day cash advance¹ from CashNetUSA as a sensible and hassle-free short-term solution.

P.S. Don’t forget to file your taxes as quickly as possible to minimize this unfortunate tax delay. File online now with our premier tax affiliate, Complete Tax, and get your refund faster. Simply click here to get started.