Same-Day Deposit Available

If approved before 10:30 a.m. CT Monday – Friday

Instant Decision

Receive an immediate decision*

Quick Application

Apply online in minutes

Get fast cash from CashNetUSA.

When emergency expenses arise, we know it’s critical to have the funds you need — fast. That’s why you can apply for funds in minutes, get an instant decision and if approved receive funds as soon as the same business day.

Apply and receive loan approval
before 10:30 a.m. CT,
get funds the same business day

Apply and receive loan approval
after 10:30 a.m. CT,
get funds the next business day

It’s important to remember that all loans are serious financial commitments and you should always be sure of your ability to repay. But if you need fast cash to cover an emergency expense, apply with CashNetUSA today!

What kind of loans does CashNetUSA offer?

CashNetUSA offers payday loans, installment loans and lines of credit — however the type of funding we offer varies in each state. Visit our Rates & Terms page to see what’s available in your state.

What are the requirements to apply?

You must meet the following requirements in order to be eligible for a loan from CashNetUSA.

18 or older1

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

We're faster than your traditional lender.

At CashNetUSA, our application and funding process is designed for speed.

Our application is just two short forms that request basic information. It can be completed in minutes! (It helps to have your bank account information handy.)

Get an instant decision
We give you an immediate decision* on your application — banks and other types of traditional lenders can take days or even weeks.

Receive funds as soon the same business day!
If approved before 10:30 a.m. CT Monday – Friday, you can receive your funds the same business day! That type of speed is hard to beat.

We’re a lender you can trust.

Finding a source of funds when you need them fast can be stressful. With so many companies competing for business, you’ll want to make sure the lender you choose is one you can trust. At CashNetUSA, approved customers can not only receive funds as soon as the same business day, they can rest assured knowing their information is secure and customer support is available seven days a week.


We're part of the publicly-listed company Enova, NYSE:ENVA, and have helped more than 3 million hardworking Americans.


We hold ourselves to stringent data security protocols to keep your information safe and secure from any potential threats.


We're with you every step of the loan process. You can contact our U.S.-based support team and talk to a real person seven days a week.

Learn more about quick loans.

Can I get a quick loan with no credit check?

Any legitimate lender will do some type of credit check prior to issuing you a loan. CashNetUSA only performs “soft” inquiries that use alternative sources of information, so applying with us will not affect your traditional credit score.

Can I get a payday loan if I’m unemployed?

CashNetUSA requires that you have a verifiable, steady source of income to qualify for a loan. If you are unemployed, you may be eligible if you are collecting Social Security, disability, child support or alimony.

Where can I find a quick loan near me?

Look no further! Apply online, receive an instant decision and you may be able to get your funds the same business day if approved before 10:30 a.m. CT Monday – Friday. If approved after 10:30 a.m. CT Monday – Friday, receive funds the next business day.

1Must be 21 years of age for Mississippi residents and 19 years of age for Alabama and Delaware residents.