Instant Decision
Receive an immediate decision*
How Fast Can I Get a Cash Loan from CashNetUSA?
In many cases, CashNetUSA is able to offer applicants instant eligibility decisions.* If approved, applicants can receive their funds as soon as the next business day after approval.
Some applicants may not be eligible for next-day funding or may need to submit additional documentation before they are fully approved.
Certain Wells Fargo customers may be eligible for same day funding, but the majority of applicants do not qualify for same day funding.
How Long Does It Take to Complete CashNetUSA's Loan Application?
Our easy online application consists of two short forms and can be completed in minutes.
To complete the application as quickly as possible, gather together all of your pertinent information before you begin — things like employment information, driver's license details, and bank account and routing numbers.
If you don't have all of your information handy when you begin your application, don't worry! Once you complete the first form, which asks for basic information such as name, email and home address, you will have an account with CashNetUSA, so you can leave and return later to finish your application.
Requirements to Apply for a CashNetUSA Loan
In order to be eligible for a loan from CashNetUSA, you must meet the following requirements:
You must be 18 or older1
You must have a verifiable, steady source of income
You must have an active checking account
You must be a U.S. citizen or permanent resident
Are Certain CashNetUSA Products Faster Than Others?
All of our products (we offer payday loans, installment loans and lines of credit) have the same fast application process outlined above.
Some states may have legal requirements for additional documentation that could slow down the process, but these are state-specific requirements, not product-specific.
Visit our Rates & Terms page to learn more.
About CashNetUSA
CashNetUSA is a state-licensed online lender with over 10 years of experience providing emergency funds to people when they need them most.
We value transparency and clear messaging and avoid making claims like "Get Cash Now!" or "We Offer Bad Credit Loans." Instead, we provide straightforward terms and quick, responsive customer service.
Learn more on our Rates & Terms page or contact us if you have any questions.
1Must be 21 years of age for Mississippi residents and 19 years of age for Alabama and Delaware residents.