Same-day deposit available
if approved before 10:30 a.m. CT
Monday - Friday

Quick Application

Apply online in minutes

Instant Decision

Receive an immediate decision*

Fast Funding

Apply early for same-business-day funding

Does CashNetUSA Offer Instant Loans?

While no lender can truthfully or accurately say they offer “instant loans,” CashNetUSA offers instant eligibility decisions* and funding as soon as the same business day if you apply early and are approved.

CashNetUSA's Instant Decision Payday Loans*

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.

Extra Information Requested? No Fax Required

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 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.

Funding as Soon as the Next Business Day

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 funding as soon as the same business day. Same-business-day funding is contingent on submitting your application and getting approved before 10:30 a.m. CT Monday - Friday.

If you apply and are approved after 10:30 a.m. CT or on the weekend, you’ll usually get your money on the next business day.

What Are Some Additional Benefits to CashNetUSA's Loans?

CashNetUSA is a direct lender everywhere we operate except Texas, and we can often offer payday 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 service those who may otherwise be declined for a more traditional loan is part of what has led more than 3 million people to choose CashNetUSA as their best choice for payday loans.