Rates & Terms

Loan Terms

  • The maximum loan amount for Maine residents will be $300.00.
  • Your loan will be due on your next payday that falls between 8 to 35 days away.
  • If you are paid by paper check, we will give you a grace period of 1 day to deposit your check.
  • If you are paid monthly, your loan will be due on your next payday that falls between 8 to 35 days away.
  • If your pay dates fall outside of these ranges, your loan will be due in 14 days.

Loan Repayment

You have the right to repay your loan in full on your due date. However, you also have the option of requesting to extend your loan due date up to a maximum of 4 times. If you extend your loan due date, you will pay your initial loan fee on the original due date and you will pay your loan principal plus an additional extension fee on your extended due date. Extension, partial payment, and early payoff requests must be received at least 2 business days prior to your due date. You may request these changes by logging into your personal account or calling our customer service team. For more information on extensions visit our FAQ page.

Fee Schedule and APR

Your loan fees will be $5.00 for borrowed amounts of $75.00 or less, $15.00 for borrowed amounts of $75.01-$249.99, and $25.00 for borrowed amounts of $250.00-$300.00.

Term In Days Finance Charge / APR
$100 $150 $200 $250 $300
8$15.00
684.38%
$15.00
456.25%
$15.00
342.19%
$25.00
456.25%
$25.00
380.21%
9$15.00
608.33%
$15.00
405.56%
$15.00
304.17%
$25.00
405.56%
$25.00
337.96%
10$15.00
547.5%
$15.00
365.0%
$15.00
273.75%
$25.00
365.0%
$25.00
304.17%
11$15.00
497.73%
$15.00
331.82%
$15.00
248.86%
$25.00
331.82%
$25.00
276.52%
12$15.00
456.25%
$15.00
304.17%
$15.00
228.13%
$25.00
304.17%
$25.00
253.47%
13$15.00
421.15%
$15.00
280.77%
$15.00
210.58%
$25.00
280.77%
$25.00
233.97%
14$15.00
391.07%
$15.00
260.71%
$15.00
195.54%
$25.00
260.71%
$25.00
217.26%
15$15.00
365.0%
$15.00
243.33%
$15.00
182.5%
$25.00
243.33%
$25.00
202.78%
16$15.00
342.19%
$15.00
228.13%
$15.00
171.09%
$25.00
228.13%
$25.00
190.1%
17$15.00
322.06%
$15.00
214.71%
$15.00
161.03%
$25.00
214.71%
$25.00
178.92%
18$15.00
304.17%
$15.00
202.78%
$15.00
152.08%
$25.00
202.78%
$25.00
168.98%
19$15.00
288.16%
$15.00
192.11%
$15.00
144.08%
$25.00
192.11%
$25.00
160.09%
20$15.00
273.75%
$15.00
182.5%
$15.00
136.88%
$25.00
182.5%
$25.00
152.08%
21$15.00
260.71%
$15.00
173.81%
$15.00
130.36%
$25.00
173.81%
$25.00
144.84%
22$15.00
248.86%
$15.00
165.91%
$15.00
124.43%
$25.00
165.91%
$25.00
138.26%
23$15.00
238.04%
$15.00
158.7%
$15.00
119.02%
$25.00
158.7%
$25.00
132.25%
24$15.00
228.13%
$15.00
152.08%
$15.00
114.06%
$25.00
152.08%
$25.00
126.74%
25$15.00
219.0%
$15.00
146.0%
$15.00
109.5%
$25.00
146.0%
$25.00
121.67%
26$15.00
210.58%
$15.00
140.38%
$15.00
105.29%
$25.00
140.38%
$25.00
116.99%
27$15.00
202.78%
$15.00
135.19%
$15.00
101.39%
$25.00
135.19%
$25.00
112.65%
28$15.00
195.54%
$15.00
130.36%
$15.00
97.77%
$25.00
130.36%
$25.00
108.63%
29$15.00
188.79%
$15.00
125.86%
$15.00
94.4%
$25.00
125.86%
$25.00
104.89%
30$15.00
182.5%
$15.00
121.67%
$15.00
91.25%
$25.00
121.67%
$25.00
101.39%
31$15.00
176.61%
$15.00
117.74%
$15.00
88.31%
$25.00
117.74%
$25.00
98.12%
32$15.00
171.09%
$15.00
114.06%
$15.00
85.55%
$25.00
114.06%
$25.00
95.05%
33$15.00
165.91%
$15.00
110.61%
$15.00
82.95%
$25.00
110.61%
$25.00
92.17%
34$15.00
161.03%
$15.00
107.35%
$15.00
80.51%
$25.00
107.35%
$25.00
89.46%
35$15.00
156.43%
$15.00
104.29%
$15.00
78.21%
$25.00
104.29%
$25.00
86.9%

Governing Law

The loan agreement will be governed by the applicable laws of your state. Questions or complaints should be directed to your state's regulatory agency. Click here for contact information.

CashNetUSA is licensed in Maine by the Department of Professional & Financial Regulation.

View our license and registration:

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