Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
While no lender can truthfully or accurately say they offer “instant loans,” CashNetUSA offers instant eligibility decisions** and next-day funding.*
Our quick loan application process is short and simple.
All you have to do is complete two registration forms with basic information about yourself. For many customers, we’re able to take that information and use our alternative credit check process to make a decision in just moments, so you can know whether or not you’re eligible as soon as possible.
And, if you need a larger loan amount, we also offer instant approval for installment loans!**
For some customers, we will require additional information or documentation (such as a paystub) in order to make our decision.
If you do have to send in additional documentation, you can do so entirely online. No faxing is required (although we offer the option if you would like to fax us).
Once you submit the rest of your information, we’ll keep you updated throughout the process to make sure you always know the status of your application.
Since payday loans are often used for emergency or time-sensitive needs, we know how important it is for you to get your funds as quickly as possible.
That’s why our online loan process offers next business day funding.* Next-day funding is contingent on submitting your application before 6 p.m. CT Monday – Thursday.
If you’re applying on the weekend, you’ll usually get your money on Monday, as long as you make sure to submit before 6 p.m. CT on Sunday evening.
We don’t offer “bad credit payday loans,” but we do consider more than just your credit score, and we look favorably upon good recent financial behavior.
Our ability to service those who may otherwise be declined for a more traditional loan is part of what has led more than 3 million people to determine CashNetUSA was their best choice for payday loans.