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When compared to other short-term loan products such as payday loans, a line of credit offers much more flexibility when it comes to funding and repayment options. After all, a line of credit allows a borrower to request a cash advance at any time up to their available credit limit. And borrowers can choose to either make minimum payments gradually over time or repay their entire balance in full to reduce interest! But regardless of its versatility, one big question remains — how fast is a line of credit?
Well, at CashNetUSA, the answer is very fast! After you apply once and are approved for a quick line of credit, you will typically receive your money by the next business day* — it’s essentially an overnight line of credit! We understand that sometimes you can’t wait two or three days for relief. That’s why we’re committed to getting you the money you need, when you need it most!
At CashNetUSA, we truly believe that speed matters. That’s why in addition to free next business day funding,* we also offer instant approval** to create an all-encompassing easy line of credit package. But although we offer an instant line of credit,** it’s important to understand that not all loan applications are approved. Due to our state and verification requirements, you may not qualify for instant approval** by CashNetUSA or our third-party lenders.
All of this is made possible thanks to our quick application review process. We might not offer an immediate line of credit, but with instant approval,** you can be certain that you won’t have to wait long to cover that emergency expense you’ve had hanging over your head.
*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.