Frequently Asked Questions

A line of credit can give you 24/7 access to funds without having to reapply.

If approved, you can log in to your account and request as much as you need up to your available credit limit. You can request draws as many times as you want, as long as you have available credit (minimum $50 draw). Funds will then be deposited into your checking account the next business day or sooner.^†

• Account Balance: Your account balance, or outstanding balance, is the total amount due to CashNetUSA. This includes your principal balance, interest and fees charged.
• Billing Period: Your billing period is the length of time between when your billing statement opens and closes. Depending on how often you’re paid, these periods might be bi-weekly, bi-monthly or monthly.
• Principal Balance: Your principal balance is the amount you have drawn minus any principal payments you have made.
• APR: APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.
• Minimum Payment: The minimum payment is the amount you must pay on each due date. This amount will depend on whether your billing period is bi-weekly, bi-monthly or monthly.

For more detailed descriptions and for information about the terms available in your state, visit our Rates & Terms page.

Monday through Friday: If you request a draw and it’s approved by 1:30 p.m. CT Monday – Friday, you will generally receive your funds by the end of that day. If you request a draw after 1:30 p.m. CT, you will generally receive your funds from the lender by the next business day.

Friday 1:30 p.m. CT to Monday 1:30 p.m. CT: If you request a draw and it’s approved between 1:30 p.m. CT Friday and 1:30 p.m. CT Monday, you will receive your funds on Monday, unless it is a bank holiday.

Please note that when requesting your first draw, funding will be delayed until you confirm your email address. This confirmation request will only be applied to your first draw requested. All future draws will not require an email address confirmation. 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.

You may choose to make one or more of the following repayment options during any billing cycle:

• Minimum Payment: Each billing cycle, you must pay all interest accrued at the end of the prior billing period, plus a percentage of the total of the principal balance, the total balance of cash advance fees and any late fees.
• Additional Payments: You may make payments in addition to your minimum, in any amount and at any time, by logging in to your account or calling 888.801.9075. Repaying your account balance early can reduce your interest.
• Pay in Full: You may pay your account balance in full at any time without any prepayment penalties. Paying your balance in full will reduce your interest and reinstate your full available credit.

Your minimum payments will typically be due according to the payment schedule you chose on your application.

You will receive an email notifying you that your periodic statement is available online on the day after your billing period close date. The statement will specify your due date and minimum payment due.

To view your periodic statements, select “Statements & Activity” when logged in to your account.

You may keep your revolving line of credit open indefinitely for no additional fee! To view your available balance and make a draw, log in to your account.

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.

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.

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

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.

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 1:30 p.m. CT, you will generally receive your funds by the end of that day. If your application is approved after 1:30 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 1:30 p.m. CT to Monday 1:30 p.m. CT: If your application is approved between 1:30 p.m. CT Friday and 1:30 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.

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.

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 and last name
3. Attach a non-expired photo ID (front and back)

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

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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