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Save 50% on initial loan fee for payday loans or receive a 50% rebate for interest on the first two payments of installment loans+++
Payday Loans: What You Need to Know
This 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!
A pay day loan is a quick and easy way to cover emergency expenses like minor car repairs and medical bills. If approved, payday loans may provide the money you need when you’re short on cash between paydays. CashNetUSA is a licensed online payday lender. We’re ready to assist you 24/7 with any and all questions you may have about our pay day loan services.
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.
Got Payday Loan Questions? Find Answers Here:
- How do I decide whether CashNetUSA is the right payday lender for me? Compare top rated payday lenders now.
- Do I need a credit history to get a payday loan? You don’t need perfect credit to get a payday loan.†
- Can I extend my pay day loan? That depends on which state you live in.
- Can I get an online payday loan without a job? No, holding a job is required for payday loans.
- How quickly can I get a payday loan? If approved, receive cash by the next business day.* Learn more!
- How long do I have to pay back my payday loan? The due date of your loan is usually your next pay date, but if you need additional time there may be convenient repayment options available for you.
- How should I use a cash loan? These types of loans are to be used for emergency expenses. Check out some examples of good uses for payday loans.
- Will you run a credit check when I apply for a payday loan? We don't use traditional credit checks as part of our application process.† However, we do verify applicant information via certain national databases.
- How quickly will my application be approved? We provide instant approval decisions** in order for you to easily find out if you’ll receive a loan from us.
- How can payday loans be used to avoid late payments? Find out right now!
- What are the greatest benefits of using a direct payday lender? There are many important benefits.
- Do you offer a no fax payday loan option? Our loans generally don’t require a fax machine.*** However, certain states require additional information to be sent via fax. Learn more!
- How much can I borrow with an online payday loan? The answer depends on the rules and regulations in your individual state.
- How can I save money on a payday loan? Payday loan promo codes are available through CashNetUSA. Get a promo code now!
- Am I able to use a payday loan for Christmas costs?
Learn more by reading our Payday Loan Articles
Learn more about other products we offer:
- A line of credit is similar to a credit card — if approved, you’ll be able to request money up to your credit limit,^ but without needing to use a physical card.
- Installment loans feature longer terms and higher loan amounts.
*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 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.
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