Frequently Asked Questions

Find quick answers to our most frequently asked questions.

Product

Payday Loans

What is a payday loan?

A payday loan is a short-term, small-principal loan that is usually repaid upon your next payday. Visit our Rates & Terms page to see rules specific to your state.

How much money can I receive?

The amount you receive on your first CashNetUSA loan is based upon the information you provide in your original application and the laws of your state. Visit our Rates & Terms page to see rules specific to your state.

What is the loan fee?

The loan fee is the fee we charge you for borrowing funds and is specific to your state of residence. Visit our Rates & Terms page to see rules specific to your state. If you have a promo code, please enter it when requesting your loan to receive the fee discount.

When will my loan be due?

Your due date will typically fall on your next pay date, unless otherwise specified when you sign your loan contract. Visit our Rates & Terms page to see rules specific to your state.

What if I want to repay my loan early?

Log in to your CashNetUSA account or contact us if you want to repay your loan early. There is no penalty for repaying your loan before your due date.

What if I can't repay my loan on the due date?

If you cannot make your loan payment, you must contact us at least two business days prior to your due date to see if you are eligible for a payment arrangement. If your debit is returned unpaid from the bank for any reason, we will initiate collection procedures immediately.

Can I revoke my ACH payment?

Your ACH authorization can be revoked if you are able to provide an alternative repayment method (such as a debit card). To set up another payment method, contact us via phone or email.

If you are unable to repay your loan on your due date, we may be able to set up a payment arrangement.

Can I take out more than one payday loan at a time?

We only issue one payday loan per customer at a time. If you are interested in applying for a larger loan amount, visit our Rates & Terms page to see if you reside in a state where our installment loan or line of credit product is available.

How do I receive a promotional offer?

We offer special discounts and promotions via email and phone. To opt in to these communications, follow these steps:

  1. Log in to your account.
  2. Select "Profile" in the navigation tab.
  3. On the left of the page, select "Contact Preferences".

Application

Can I apply if I have less-than-perfect credit?

Yes. Less-than-perfect credit will not necessarily prevent you from qualifying for a CashNetUSA product.* Even if you have been turned down by other lenders in the past, we may be able to help you obtain a convenient credit option that fits your needs.

What is a FICO® score?

FICO® Scores, created by Fair, Isaac and Company, are credit scores lenders use to help them make credit-related decisions. FICO® scores are based solely on the information in consumer credit reports maintained by the three major credit bureaus — Experian, Equifax and TransUnion. By comparing your credit information to the patterns in hundreds of thousands of past credit reports, FICO® Scores estimate your level of future credit risk.

Credit report inquiries to Experian, Equifax and TransUnion can negatively affect your FICO® score, especially if there are many in a short amount of time. With CashNetUSA, you don’t need to worry about your application affecting your FICO® score — we use information from alternative credit sources.

How do I know that I have been approved?

You will receive an email notification if your application has been approved.

Do I need to send any documents?

There are some instances where proof of income is required before your application can be approved, such as if you receive benefits or are self-employed.

If we do need some additional documents, you can send them to us by:

  1. Uploading them online in your account
  2. Emailing
  3. Faxing

We strongly recommend uploading the documents to your account. We can process them and get you a loan decision much faster than if you email or fax them.

When will I receive my funds?

Your exact deposit time depends on the time when your application is approved and a successful confirmation of your email address.

Monday through Friday: If your application is approved by 1:00 p.m. CT, you will generally receive your funds by the end of that day. If your application is approved after 1:00 p.m. CT, you will generally receive your funds by the next business day. For example, if your application is approved at 10 a.m. CT on a Tuesday, you will generally receive funds in your designated bank account by Tuesday afternoon.

Friday 1:00 p.m. CT to Monday 1:00 p.m. CT: If your application is approved between 1:00 p.m. CT Friday and 1:00 p.m. CT Monday, you will receive your funds on Monday, unless it is a bank holiday.

The exact time of funding depends on when your bank will post ACH (Automated Clearing House) credits to your bank account. If you expect to receive funds on a certain day, but do not see the funds in your bank account, you should contact your bank's ACH department.

Account

How do I update my customer profile?

To update your personal information, follow these steps:

  1. Log in to your account
  2. Select "Edit" under "Profile"
  3. Make changes and save

For any other questions about changing your account information, please contact us via phone at 888.801.9075 or email us at support@cashnetusa.com.

How do I change the email address associated with my account?

To update the email address on your account, email support@cashnetusa.com and include the following information in your email:

  1. State "update my email" in the subject line of the email
  2. In the body of the email, include your:
    • CashNetUSA Customer ID
    • New email address
    • First name, last name and middle initial
    • Phone number listed on the account.
  3. Attach a utility bill to the email (e.g., gas, electric or phone) that is less than 60 days old and shows your name and current address

Please allow up to three business days to process your request.

How do I change my password?

To update your password, follow these steps:

  1. Log in to your account
  2. Select "Change Password" under "Profile"
  3. Type in a new password and save

Use your new password the next time you log in.

What if I forgot my password?

To reset your password, follow these steps:

  1. Select "Forgot your email or password?" under the login section on the upper right-hand side of our website.
  2. Enter your email address and select the "Reset Password" button to have a temporary password delivered to the email address associated with your account.
  3. Once you log in with your temporary password, you will be required to update that password immediately.

Repayment

How do I update my bank information?

To update your bank information, contact our Customer Service Team via email at support@cashnetusa.com or phone at 888.801.9075. Please make all information changes at least two business days before your loan due date.

If you have already applied for your online loan, you will need to send a copy or photo of a voided check or bank statement for the new bank account via email to support@cashnetusa.com or fax to 866.413.3888. The document must include your name, routing number and account number. Please do not submit a voided starter check, as we do not accept this as valid proof of bank information.

How do I provide payment information to the Collections Department?

For your protection, please do not email or fax any debit card or bank information to our Collections Department. Please call us at 888.801.9078 if you would like to set up a payment via debit card or any other method.

What if I don't have the money in my bank account to satisfy my upcoming payment?

We understand that sometimes life happens. We’re here to help. Contact us via phone or email at least two business days before your upcoming payment to see if you’re eligible for a payment arrangement.

When I make a repayment, how soon can I receive another loan?

The exact time you will be able to reapply and receive funds after you have paid off your loan depends on your state of residence. You will be able to reapply through your CashNetUSA account.

If you reapply and are approved, you will generally receive your funds once your previous loan payment has been successfully processed. You may be required to wait a few additional days if you reside in a state that mandates a cooling off period between your loans.

Please refer to the Rates & Terms page of your state for more information.

What is an ACH payment and how does it work?

ACH (Automated Clearing House) is a form of electronic debit. When we present an ACH request to your bank, the bank will send us the specified amount of loan fees and/or principal that were outlined in your loan agreement. If the payment is returned because of insufficient funds, we may re-present the debit to your bank.

Where do I send my check payments?

Visit this page to review our requirements for paying by check and to find the mailing address for our Payment Processing Center.

I am a military servicemember and was called to active duty, am I entitled to any relief?

The Servicemembers Civil Relief Act (SCRA) provides certain protections and relief to eligible active duty servicemembers, their spouses and dependents. For example, if a debt was incurred by the servicemember, or jointly with the servicemember’s spouse, before the servicemember’s active duty military service, the servicemember is entitled to have the interest rate on the debt reduced to 6% during the period of active duty service.

You can read additional information on the SCRA here. If you are an active duty servicemember, or if you have questions regarding whether the SCRA applies to you or your loan, please contact our compliance department at escalations@cashnetusa.com.

Why do I not receive emails from CashNetUSA?

CashNetUSA uses email to send you:

  • Application status
  • Repayment reminders and confirmations
  • Promotions and more

These important account updates are why it’s essential you receive all email communications from CashNetUSA.

To ensure you receive important emails from CashNetUSA, please take a moment to add support@cashnetusa.com to your address book or your spam "good list" or "whitelist". This helps your email provider recognize CashNetUSA as a trusted email source. If you are still not receiving emails from CashNetUSA, please contact our Customer Service Team.

Fraud and Security

How does CashNetUSA protect my personal information?

We use a variety of different technologies such as McAfee SECURETM to protect your data. Learn more at our Online Security Center.

How do I identify potential fraud?

For tips on keeping your personal information secure or identifying and responding to potential scams, visit our Online Security Center.

COVID-19 Support

Where can I find resources and information related to COVID-19?

To explore the latest state and federal resources that can help ease your financial challenges, visit our COVID-19 Customer Support Center.

You also have free access to all of our best resources to help get your finances back on track, including:

  • Exclusive deals on daily essentials, shopping and more through our Savings Program

  • Our latest CashNetUSA blogs that can help you prep your finances for surprise expenses

  • 20,000+ resources in categories such as food savings, childcare and more with SpringFour

If you have additional questions or are unable to make your next payment(s), we're here to help. Contact us via phone, chat or email to ask about our payment arrangement options, get assistance with your loan and more.