Quick Loans When You Need Them Most

If you need fast funding, you may be eligible for an offer from our partner brand, NetCredit.

Check Your Eligibility

By clicking "Check Your Eligibility," you will be redirected to NetCredit.com.

Head to our Rates & Terms page to learn more.

Same-Day Deposit Available

If approved before 1:00 p.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, it’s critical to have the funds you need — fast. That’s why CashNetUSA lets you 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 1:00 p.m. CT
get funds the same business day

Apply and receive loan approval
after 1:00 p.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.

Requirements to Apply for a CashNetUSA Loan

In order to be eligible for any CashNetUSA loan, you must meet our requirements:

18 or older
(19 in AL, DE; 21 in MS)

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 as the same business day!
If approved before 1:00 p.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 4 million hardworking Americans.


We hold ourselves to the highest data security protocols to keep your information secure.


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 an online 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 1:00 p.m. CT Monday – Friday. If approved after 1:00 p.m. CT Monday – Friday, receive funds the next business day.