Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
If you’re wondering whether you will qualify for a specific amount, such as $500 or $1000, there is no definitive answer. First, the amount of money we offer varies from state to state. If you’d like to know which products and loan amounts are available in your state, head over to our Rates & Terms page. In some states, a $500 payday loan might be available; in others, consumers may have access to installment loans from $1,500 – $2,000‡ or a line of credit.
A major factor that will help determine the amount you can borrow is your credit history. The more responsible you have been with your credit and borrowing in the past, the more you might be approved for. And with CashNetUSA, you may be approved for higher amounts on future loans when you repay on time.
If a $500 – $1000 payday loan is available in your state, you will need to evaluate whether or not a payday loan makes sense in your particular situation. A payday loan is a significant responsibility and is not a long-term answer for persistent financial problems. Short-term payday loans are best used for immediate and necessary expenses.
First, make sure you meet our requirements:
You must be 18 or older1
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
If you decide to apply for a payday loan, our instant decision process makes it quick and simple. Just provide us with some basic information including name, address, employer and income. We will review and verify factors like your income, employment and financial history. If you are approved for a payday loan, we can often deposit money in your bank account the following business day!*
If you have more questions, you can contact us via email, phone or online chat whenever is most convenient for you.
CashNetUSA is a state-licensed direct lender++ of payday loans with over 10 years of experience. We are committed to transparency so while we do offer payday loans with less-than-perfect credit,† we do not claim to offer “bad credit payday loans” or “no credit loans.” We are proud that more than 2.5 million customers have determined that we were the best choice for payday loans, and continually strive to earn the trust our customers have in us.