Frequently Asked Questions

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General Questions

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 provide you with a convenient credit option that fits your needs.

How do I know that I have been approved?

You will receive an email notification once your application has been approved. CashNetUSA reserves the right to make adjustments to your approval until the time you receive the funds in your bank account based on new information regarding your application.

When will I receive my funds?

If your application is approved by 9pm CT Monday through Thursday, you will generally receive your funds by the next business day.* If your application is approved between 9pm CT Thursday and 7pm CT Sunday, 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. They should be able to tell you when the funds will become available. View our Loan Funding Schedule for more information on funding times.

How do I update my customer profile?

To update your personal information, follow these steps:

  1. Log into your online account
  2. Under MANAGE YOUR ACCOUNT, select the link for the information you would like to update
  3. Make desired changes and click SAVE CHANGES

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

How do I change my password?

To update your password, follow these steps:

  1. Log into your online account
  2. Under MANAGE YOUR ACCOUNT, select the CHANGE PASSWORD link
  3. Type in a new password and save. You can now access the site with your new password.

What if I forgot my password?

To reset your password, follow these steps:

  1. Select the FORGOT PASSWORD link under the customer login section on the upper right hand side of our website
  2. Enter your email address and click SEND MY PASSWORD to have a temporary password delivered to your email address
  3. Once you log in with your new password, you will be required to update that password to something familiar to you. You must update your password to continue.

How do I update my bank information?

To update your bank information, you should contact our Customer Service Team via email at support@cashnetusa.com, phone at 888.801.9075 or by clicking the Live Chat button. Please make all information changes at least two business days before your loan is due.

If you have already applied for your loan, you will need to fax in a copy or photo of a voided check or bank statement for the new bank account to 866.413.3888. If you are supplying a photo of your voided check or bank statement, please note that the picture must be in the standard PDF or JPG formats in order for us to access it. Also, please note if you are submitting a voided check, please do not submit Starter Checks, as we do not accept these 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 credit 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 credit card or any other method.

Do I need to fax or email any documents?

There are some instances where proof-of-income is required prior to your application being approved, including:

  1. If you receive alimony
  2. If you receive disability benefits
  3. If you receive social security benefits
  4. If you are self-employed
  5. If you reside in IL, MT, NM, NV or WA

Proof-of-income may include a government benefits award letter or a recent bank statement displaying regular deposits. Please review our Rates & Terms page for more information about regulations in your state.

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

You must contact us immediately to set up payment arrangements. If your debit is returned unpaid from the bank for any reason, we will initiate collection procedures immediately.

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

This depends on your product and the laws of your state of residence. Please refer to the Rates & Terms page of your state for more information.

What is an ACH payment and how does it work?

ACH stands for Automated Clearing House and is a form of electronic debit, which behaves much the same as a paper check. When we present an ACH request to your bank, it will send the specified amount of loan fees and/or principal to CashNetUSA that were outlined in your loan agreement. If the payment is returned for reason of insufficient funds, CashNetUSA can and will re-present the ACH Authorization to your bank.

Why do I not receive emails from CashNetUSA?

CashNetUSA uses email to keep you informed of your approval, repayment reminders and confirmation, promotions and more. This makes it very important that you receive all email communication from CashNetUSA concerning your account.

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

Payday Loans

What is a payday loan?

A payday loan is a short-term, small-principal loan and is usually repaid upon your next payday, although some states allow loan extensions. Loan Rates & Terms vary by state. Please visit our Rates & Terms page to see rules specific to your state.

How much money can I receive?

Your first CashNetUSA loan is based upon the information you provide in your original application and the laws of your state. After successful loan repayment, we may increase your loan amount on future loans. Please 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 a loan and is specific to your state of residence. Please 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 discount off the fee.

When will my loan be due?

Your due date will normally fall on your next pay date, which is between eight and 35 days away. Each state has different rules and regulations. Please visit our Rates & Terms page to see rules specific to your state.

What if I want to repay my loan early?

Contact our Customer Service Team if you want to repay your loan early. If you repay early, you may be refunded part of your loan fee.

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

If you can't repay the full amount of your loan on the due date, you may have the option (based on your state) to request a loan extension. Please visit our Rates & Terms page to see rules specific to your state. To request an extension, simply log into your online account and click the 'Extend My Loan' button which will be enabled once an extension request is available. This will typically occur once your loan has been funded or your current extension has taken effect.

If extensions are not allowed in your state and you still cannot make your loan payment, you must contact us immediately to set up payment arrangements. If your debit is returned unpaid from the bank for any reason, we will initiate collection procedures immediately.

When can I request an extension?

You may request an extension by logging into your online account once your loan has been funded or your current extension has taken effect.

How do I extend my loan payment?

Loan extensions are available in a number of states. To see if extensions are allow in your state, visit our Rates & Terms page or log into your online account. When extending your loan, you will pay your initial loan fee on the original due date, while extending your loan principal, plus an additional extension fee, to a later date. You must request an extension at least two business days before your original due date.

To request an extension, follow these steps:

  1. Log into your online account
  2. Read your ACH agreement
  3. Click the 'Extend My Loan' button on your account home page
  4. Optional: Enter any additional payment on the principal (this will reduce the fee on your extension) and any Promo Code you may have by clicking the 'Add A Partial Payment or Coupon' link
  5. Your extension process is complete.

To request an extension as a LA, NV or RI resident, follow these steps:

  1. Log into your online account
  2. Click the 'Extend My Loan' button on your account home page
  3. Optional: Enter any additional payment on the principal (this will reduce the fee on your extension) and any Promo Code you may have by clicking the 'Add A Partial Payment or Coupon' link
  4. Review and electronically sign the new loan agreement and your extension process is complete.

What if I want to make payments without agreeing to the ACH authorization portion of the loan contract?

If you would like to make payments without agreeing to the ACH authorization portion of the contract, you can follow the procedures below:

  1. Print out the loan contract, cross out the ACH authorization agreement and initial next to the section
  2. Provide us with a post-dated check (using the date of your next payday) for the amount of your total payment, including principal and fees, and a copy of the contract via mail, FedEx, or another delivery service
  3. We will confirm the issuing of your loan once we receive these documents

Can I revoke my ACH payment?

No. The ACH Authorization can only be revoked after we have received payment in full of the amount owed.