Apply for a Payday Loan
from a Direct Lender++

Apply for a Payday Loan
from a Direct Lender++

Save 25% on your initial loan fee for payday loans, or on your CAB or CSO fee for CAB or CSO/brokered payday loans.+++

Quick Application

Apply online in minutes without affecting your traditional credit score§

Instant Decision

Receive an immediate decision**

Fast Funding

Get money the next business day*

CashNetUSA Is a Direct Lender of Online Payday Loans++

What Is a Direct Lender?

A direct lender manages every aspect of the lending process, including approval, funding and repayment. In contrast, many other companies only handle the application process, passing off your information to a third party after they’ve evaluated your application.

Why Should I Choose a Direct Lender for a Payday Loan?

Borrowing from anyone besides a direct lender can introduce an unwelcome element of uncertainty into your loan process. Since the company that handles your application chooses which lender to send you to, you won’t immediately know who you’re borrowing from — you could even wind up with a disreputable or unlicensed lender.

CashNetUSA is a direct lender everywhere we operate except Texas and Ohio, so you can find out all about our loans on our website before you choose to give us any information. This way, you’ll know what to expect before you apply for a loan.

Why Choose CashNetUSA Over Other Direct Lenders?

Though it’s difficult to compare one lender to every other, CashNetUSA’s loans offer many advantages that set them apart from other options. First, our loans are entirely online — that means you can apply, get your money and manage your repayments from the comfort of your home. In many cases, you won’t even have to scan or fax any documents over.***

Second, CashNetUSA loans are fast. After we have your information, you’ll often hear back about your eligibility instantly.** And if you’re approved, you’ll usually get your money as soon as the next business day!*

Finally, we work hard to keep our customers happy. Our U.S.-based customer service team is on call to answer your questions and resolve your issues. If you ever have any problems with your application or loan, we’re ready to talk by phone, email and online chat.

We believe the combination of these factors make us the best payday lender in the business.

How Does CashNetUSA Keep Customer Data Safe?

CashNetUSA employs a number of techniques to protect customer data. You can learn more about how we use your data in our privacy policy. Also, we work hard to keep our customers informed of the latest scams.

What If I Have More Questions?

If you have any more questions about CashNetUSA’s direct loans and cash advances, be sure to check out our FAQs and Rates & Terms pages. There, you’ll find information about the specific types of loans and loan amounts we offer in your state — such as payday, installment and line of credit — along with answers to many common questions.

If you would like to learn more how we make loan approval decisions, visit this page, which explains our alternative credit check process.