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What is a Direct Payday Lender?

An online direct lender of payday loans is a business that directly lends money to an applicant. There is not a third party that negotiates for the borrower or connects the borrower to a lender.

Why are Direct Payday Loans Preferable?

It is better to borrow directly from a lender than to go through a third party for several reasons. Here are two important reasons surrounding security of your personal information:

  • When you fill out an application on a direct payday lender’s website, you know that your information is going to that lender and you can read the lender’s privacy policy to understand how your personal information is used. If you fill out an application at a third-party website, your information could be sent to multiple lenders or another third-party website. How can you be sure that your information will remain secure?
  • With a direct lender, you can find out if the lender is licensed and follows all state laws, so that you can be assured that you’re dealing with a legitimate company. When dealing with a third party, you don’t have control over which lender they choose for you. You could end up with an unlicensed lender that’s not even located within the U.S. If your private information is sent to one of these lenders, you could fall victim to identify theft, fraud or other scams.
  • New Customers: Use Promo Code CASHNET50 on Your First Loan

    Save 50% on the initial loan fee of your first payday loan or receive a 50% rebate on the interest or fees of the first two payments of your first installment or installment-payday loan, respectively. Promo code not valid for the CashNetUSA line of credit product.+++

    What About Other Loan Options?

    You may have heard of some other loan options for borrowing money in an emergency. Here’s how these options compare to direct payday loans:

    Bank Payday Loan – when a bank gives out an advance on your future paycheck. Obviously, this is not a common occurrence. There could possibly be lots of paperwork and lots of waiting around for your loan. A direct payday loan from an online lender would be speedier without a lot of hoop jumping.

    Payroll Loans Direct – when an employer gives you an advance on your next paycheck. Depending on your employer, this may be an option, but it’s not typical within a corporate or large business environment. With a direct cash advance, you can get an advance on your next paycheck simply by filling out a five-minute application.


    Back to Everything You Need to Know About Payday Loans

*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.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**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.