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As the saying goes, “Don’t believe everything you read on the Internet.” Unfortunately, many people do. When it comes to payday loans, there are many inaccurate reports that paint quick cash advances in a negative light. Sure, payday loans are not meant for everyone and should only be considered in emergency situations, but those in need of a simple cash advance should be able to rely on fair and accurate information to make the best financial decision for themselves.
The reality is that a payday loan can fill a huge need and comes with many benefits. But since those benefits are rarely mentioned, we though it’d be important to highlight the three most important ones that CashNetUSA, the country’s largest licensed online lender, offers:
CashNetUSA is committed to making sure your cash advance experience is as convenient as possible. With a simple 5-minute online application that can be completed from the comfort and privacy of your own home, you’ll never have to leave your home ever again! OK, maybe that’s not entirely true, but you know what we mean. There’s also usually nothing to fax and no extra paperwork to fill out, so you can complete everything online in just a few simple clicks of your mouse!
When it comes to an easy payday cash advance, we know speed matters. That’s why at CashNetUSA, we’re dedicated to getting you your money by the next business day.* We understand that some things just can’t be put off until next week. Bills have to be paid, car repairs need to be made, medical costs need to be taken care of—that’s just how life works. Our free next business day funding option provides people with the relief knowing that they can get their money quickly to take care of those unforeseen expenses.
Do you know that requesting an easy online cash advance from an unlicensed lender can leave you open to a wide variety of risks? Countless websites are operated by non-accredited, non-licensed payday lenders that claim to be safe, secure and trustworthy. And although many of these lenders say that they're located in the United States, they're most likely operating outside of the country in order to bypass state regulations. By providing your personal and financial details to these types of lenders, you could easily fall victim to fraud, identity theft and other various scams — over 15 million Americans do every year!
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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 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, Tele-Track and 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 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.
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.