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Your first CashNetUSA loan is based upon the information you provide in your membership application. After successful repayment of your payday loan, we may increase your loan amount on any future CashNetUSA loans.
Loan Extensions are granted at the discretion of CashNetUSA and are not available in all states. To see if you are eligible for an extension, go to the Rates & Terms page and select your home state from the map. To extend a loan, the fee for the original loan must first be paid on the due date. After paying the original loan fee, you will be contracted for an additional loan, for which you will be charged an additional fee. The length of the extension will be governed by your pay dates and the rules displayed on the Rates & Terms page for your state. The extension fee is calculated the same as the original loan fee. Fees for loans and extensions are found on the Rates & Terms page for your state. If you qualify for a Loan Extension, you can request one by
Your application will be processed within 30 minutes, once it has been received. When approved, you will generally receive your loan on the next business day. We believe in guiding our customers at every step and once you receive the loan, we will help you to schedule you repayment dates so that you won’t have to worry about bounced checks or missed deadlines.
We will send an email 1-2 days prior to your due date reminding you that your loan is coming due. Your payment options are:
If you would like to make payments without agreeing to the ACH authorization portion of the contract, you can follow the procedures below: * Print our loan contract, cross out the ACH authorization agreement, and initial next to the section. * Provide us with post-dated check for the amount of your loan, and a copy of the contract via mail, FedEx, or another delivery service. * We will be able to issue your loan once we receive the documentation.
Your due date will normally be due on your next payday that is between 8 and 25 days away. Each state has different rules and regulations. Go to Rates and Terms to see rules specific to your state.
Bad credit will not prevent you from receiving a payday loan at CashNetUSA. Our friendly agents will work with you, even if you have already been turned down by other lenders.
You will receive an email notification once your loan has been approved. CashNetUSA reserves the right to make adjustments to your loan approval until the time you receive the funds in your bank account based on new information regarding your loan application.
The loan fee is specific to your state of residence, click here to see the rules that apply to you. If you have received a coupon, you will receive appropriate discount off the fee. Provide the coupon code when you fill out your loan application.
Contact us if you want to pay your loan off early. If you pay off early, you may be entitled to a refund of part of your loan fee.
If you can’t repay the full amount of your loan on the due date, you may be able to request a loan extension by logging into your member account.
You must contact us immediately to set up payment arrangements. If your debit comes back for any reason from the bank, we will initiate collection procedures immediately and you will be unable to ever receive future loans from us.
The end of loan action is the chosen action that occurs when your loan comes due. It is initially set by you when you apply for a loan.
The single-payment ACH Authorization used by CashNetUSA behaves the same as a paper check. Once presented to your bank for payment of the loan, it will send the specified amount of loan fees and or principal, (depending on if the loan is paid-in-full or extended on the due date) to CashNetUSA to satisfy the loan agreement. If the payment is returned for reason of insufficient funds, CashNetUSA can and will re-present the ACH Authorization to your bank.
It normally takes 2 business days for your payment to clear to the bank. Once the payment clears, we can issue you another loan. The new loan will fund to your bank account the business day after payment clears.
Example: Your due date is Friday. Your full payment comes out on that date. The payment will clear on Tuesday and your new loan will fund to your account on Wednesday
No. The ACH Authorization can only be revoked AFTER we have received payment in full of the amount owed. Because our advances are single payment advances (that is, we advance a sum of money that is to be repaid in a lump sum), we are permitted to require ACH repayment in accordance with the federal Electronic Funds Transfer Act (“EFTA”).
Under The EFTA, a lender cannot require a consumer to repay a loan by means of preauthorized electronic funds transfers as a condition to approving the consumer’s loan. The term “preauthorized electronic funds transfer” is narrowly defined by the EFTA to mean “an electronic funds transfer authorized to recur at substantially regular intervals.” As explained by the Federal Reserve Staff in its official commentary to the EFTA, “Creditors may not require repayment of loans by electronic means on a preauthorized, recurring basis.” 12 C.F.R. 205, Supplement I – Official Staff Commentary, at 10(e) (1) (Loan Payments). As a one-time payment, the repayment of a CashNetUSA advance is not encompassed by the EFTA’s definition of “preauthorized electronic funds transfer,” and is therefore permitted under the EFTA.
Per state regulations, a customer is limited to a maximum of $500 at a time.
There is not a limit on how many loans you can have outstanding, but per state regulations the total amount cannot exceed $500
Per state regulations, a customer is limited to a maximum of $500 at a time.
Per state regulations, Oklahoma customers can have a maximum of 2 outstanding loans statewide
When IL customers take loans over 45 consecutive days, state regulations require a cooling off period of 7 days before another loan is issued.
Per state regulations, Illinois customers can have a maximum of 2 outstanding loans statewide
The payment will come out of your bank account the day after your due date.
Log in to your member account by typing in your email and password. Once you are logged in, click on the corresponding link under “profile options” in the “manage your account” section, make the change and click “update”.
To update your bank information, you must email us through the contact us form, use live support or call customer support at 888-801-9075 at least two business days BEFORE your loan is due.
If your loan has already been issued, you will need to fax in a copy of a voided check or bank statement or send in a picture of either of those for the new bank account. Our fax number is 866-326-5265.
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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.
CashNetUSA's affiliates only offer payday advance in those states where permitted by the state banking authority. More details are in the "About Us" page.
CashNetUSA is a registered trademark with the U.S. Patent and Trademark Office. (3,210,970) All rights reserved.
