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Need a Payday Loan for Emergency Expenses?

Apply in 5 minutes for cash next business day* - over 1 million satisfied customers and offering services in 32 states.
Discount code: NEWCASH
Save 50% on initial loan fee for payday loans or receive a 50% rebate for interest on the first two payments of installment loans+++

What You Need to Know

This online payday loans resource section will help to answer all your questions about how to apply for a payday loan, how to compare payday lenders, how to determine whether you’re eligible for online payday loans, and very much more!

What Is a Payday Loan?

A short-term loan that’s typically repaid on your next payday — along with a fee. These loans are usually smaller than bank loans. And the average length is roughly two weeks, depending on your state and pay frequency.

While payday loans are available in brick-and-mortar stores, online loans seem to be more common.

Are Payday Loans a Good Idea?

Depending on your circumstances, they absolutely can be! A small cash advance may help you bridge the gap between paydays. They come in handy when you 1) need to pay an urgent bill and 2) are temporarily short on cash.

Here are the top three ways our customers say they use CashNetUSA loans:

  • 1. To pay household bills on time
  • 2. To handle emergency car and transportation expenses
  • 3. To cover the costs of medical and health emergencies

An online payday loan can help you avoid late fees, overdraft fees or bounced checks. (Sometimes, those fees are more expensive than the fees associated with a short-term loan!) Online loans can also help you pay emergency expenses that cannot wait. If you have an unexpected bill that needs to be paid as soon as possible, consider applying for a short-term loan to cover the costs.

How Will I Pay Back an Online Loan?

You can repay an online cash advance with an ACH payment. (This is a form of electronic debit from your bank account.) During the loan application, one of the pieces of information requested is your bank account routing number. Online lenders use that information to deposit the loan into your account. Then when the loan is due, they can debit the loan amount and fees directly from your account.

It’s important to remember, you should never borrow money without a solid plan for paying it back. If you know up front that you won’t be able to repay your loan on time, you should seek other financial solutions.

What Sets CashNetUSA Apart from Other Lenders?

With so many online lenders around, how do you know which ones are legitimate? CashNetUSA is a licensed online payday lender. All our fees are clearly posted on our Rates & Terms page, so you know how much you’ll repay before you even apply! Plus, approved borrowers can get cash by the next business day.* Not all lenders can say the same. We take pride in giving our customers the best short-term loan experience possible.

If you have questions about applying for an online loan, you may reach out to our 24/7 Customer Support team by phone, email or online chat. Please go to our Contact Us page for more information.

More Questions for Us?

CashNetUSA is dedicated to its customers. If you have more questions about payday loans, please visit our FAQ to find the answers. You’re also welcome to get in touch with our Customer Service team any time, day or night — by phone, email or live chat. We’re open 24/7!

Our customers tell us the main reasons they take out payday loans are:

  • To pay household bills on-time
  • Car/transportation emergency expenses
  • Medical/health emergencies
  • To pay off other creditors
  • Vacation or leisure traveling expenses

Because CashNetUSA is dedicated to its customers, we’ve put together a payday loan resource center for your convenience. Thankfully, there’s no reason to worry if you can’t find the answer to your question below. That’s because CashNetUSA Customer Service is available 24 hours a day, seven days a week via phone, email and online chat.



For live support, please click here.

*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 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 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 loan, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee or CAB fee respectively. If you are an installment loan customer, rebate will be offered on the first two installment payments of your next loan and such rebate shall not exceed the actual amount of interest paid. Only valid upon full repayment of the loan with a minimum of two full installment payments made. Rebate paid via bank account ACH credit following full repayment of the loan. Promo code is valid on first two installment payments only, can be used only once and may not be combined with any other offers or Preferred Member benefits.

^Cash advances must be a minimum of $50.

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.