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Let’s face it — sometimes life isn’t fair. When you wake up early in the morning and go to work, pick the kids up from band practice and make a quick trip to the grocery store, the last thing you want to come home to is an overdue-payment fee from your utility company. Missing the payment was an honest mistake, but with your payday still a week away, you just don’t have the money to pay the late fee right now!
Luckily, CashNetUSA is dedicated to helping people just like you bridge the gap between paydays from the comfort and privacy of their own home. If you’re worried about your less-than-perfect credit,† don’t be — it’s OK with us! While we don’t perform traditional credit checks as part of our approval process, we will verify your information through various national databases. So, chances are if you have poor credit or no credit and need a cash advance, you’ll need to look elsewhere.
Along with an active checking account, you must also be employed in order to prequalify for a cash advance. So if you’re looking for a cash advance without a job, you’re out of luck. But don’t worry — we know that finding a job is easier said than done. That’s why we’ve come up with a few pointers to (hopefully) help you find a job faster:
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*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.
**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.