Same-day deposit available if approved before 1:00 p.m. CT Monday – Friday

Quick Application

Apply online in minutes

Instant Decision*

Receive an immediate decision

Same-Day Deposit Available

If approved before 1:00 p.m. CT Monday – Friday

Apply for an instant decision payday loan from CashNetUSA.*

No lender can accurately say they offer "instant loans." But CashNetUSA does offer instant eligibility decisions* and funding as soon as the same business day if you apply early and are approved. As far as personal lending goes, that’s about as instant as it gets!

Receive funding as soon as the same business day!

Our quick loan application 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.

Apply and receive loan approval


1:00 p.m. CT

Get funds the same business day

Apply and receive loan approval


1:00 p.m. CT

Get funds the next business day

Extra paperwork requested? Send it in online.

For some customers, we will require additional information or documentation (such as a paystub) in order to make our eligibility decision. If you have to send in additional documentation, you can easily do so online. 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.

Can I get approved for a loan with less-than-perfect credit?

CashNetUSA can often offer payday loans and installment loans to those with less-than-perfect credit.* 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 provide online loans to those who may otherwise be declined for a more traditional loan is part of what has led more than 4 million people to choose CashNetUSA as their top choice for payday loans.

Take advantage of our special benefits.

The instant you create a CashNetUSA account, you get access to discount deals and free financial education courses. These free benefits are designed to help you save on everyday purchases and improve your finances — even after you've paid back your loan.