Apply online in minutes
Receive an immediate eligibility decision**
Get cash the next business day if approved*
Whether you live in Chicago or Carbondale, unplanned expenses can take you by surprise. When finances are strained, you might not have time to wait until your next paycheck. An installment-payday loan from CashNetUSA can help you get the funds you need to deal with an emergency.
An installment-payday loan is a medium-term loan, usually paid back in multiple payments over several months. It can serve as a helpful bridge between pay periods, assisting you in paying off a larger expense like unexpected medical bills. Since you can repay this type of loan incrementally, it’s more flexible than a regular payday loan. CashNetUSA makes the application, decision, funding and repayment process for our installment-payday loans straightforward.
In the state of Illinois, loan amounts vary based on pay frequency and a variety of qualifying factors. If approved, you will have up to six months to pay off your loan. In general, payments are made on the borrower’s payday. You can also repay your loan at any time without incurring additional charges.
Before you apply, review our Rates & Terms page, which has detailed information regarding fees and repayment. Also, check to see if you can borrow money from a friend or relative before committing to an online loan.
It’s easy to apply for a loan with CashNetUSA. First, make sure you meet our basic requirements:
You must be 18 or older1
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
If you meet these requirements, you can apply online and get a lending decision fast — sometimes instantly.** We strive to make the application process convenient and stress-free. You can apply from any web browser or mobile device. Even if you have less-than-perfect credit, you may still qualify for a loan.†
To make a lending decision, we just need some information about you, your job and your bank account. You will also need to submit your latest pay stub when applying. If approved, we’ll work hard to get you cash fast — in some cases we can deposit funds in your account the following business day!*
CashNetUSA is a state-licensed, direct lender in Illinois. We have over 10 years of lending experience and have served over 2 million customers.