888.403.6947 | Login
888.403.6947 | Login
One of the biggest perks of obtaining a line of credit is its ability to request an advance whenever you want. As long as you don’t go over your limit, you can get cash deposited directly into your checking account by the next business day.* So say you have a $2,000 line of credit and have already taken out $1,000. If you’ve fallen behind on bills and also need to pay an expensive hospital bill, you can use your remaining $1,000 line of credit to help cover those costs.
While there are many benefits of borrowing a line of credit, the two most popular ones are its flexible funding and repayment options, along with the convenience of only having to apply once. Compared to other short-term credit products, our line of credit allows you to request a cash advance at any time up to your available credit limit. And since you only need to apply for it once, you won’t ever have to wait to get your advance request approved!
Your line of credit amount depends on the state you’re living in, so be sure to check out our Rates and Terms page beforehand. Just because you want a 2,000 dollar line of credit or a 1,000 dollar line of credit doesn’t mean you are eligible for it. But regardless of the amount you’re eventually approved for, remember to use your line of credit wisely. If you start requesting advances for nonessential items such as DVDs, video games and other various items, you might find yourself with more debt than you first started out with.
Related:
Back to Everything You Need to Know About Lines of Credit
*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.