Apply for a Line of Credit
Anytime, Anywhere

Quick Application

Apply online in minutes

Instant Decision

Receive an immediate eligibility decision**

Fast Funding

Get cash the next business day if approved*

A Powerful, Flexible Way to Borrow Money

What Is a Personal Line of Credit?

A personal line of credit allows you to borrow and repay funds in a way that is far more flexible than a traditional short-term loan. After being approved for a line of credit, you will have a certain amount — called the credit limit — that you can borrow up to. Whenever you need funds, you can quickly withdraw money from your line of credit, borrowing up to your limit without having to reapply.

Once you draw on your line of credit, you’ll be charged regular interest based on the amount you’ve withdrawn. Though there may be a minimum monthly payment, you’ll have an amount of flexibility in paying back what you owe. You can make your repayments as quickly as possible to reduce interest charges, or you can space your repayments by paying the minimum amount due for each payment period, costing you more in the long term.

How Do Online Lines of Credit Work at CashNetUSA?

At present, we don’t offer lines of credit in every state. In the states where we do offer them, our lines of credit work somewhat differently for each state. Though the basics of each line of credit product are similar regardless of state, there may be differences in the requirements to apply, the draw and administration fees, the credit limits, and the repayment process. Check our Rates & Terms page to see whether lines of credit are offered in your state and, if so, what the conditions are.

Am I Eligible for a Line of Credit?

The basic requirements to be eligible for a CashNetUSA line of credit are simple:

  • You are 18 or over
  • You have been employed for at least one month
  • You have an active checking account
  • You are a U.S. citizen or permanent resident
  • We offer lines of credit in your state

If all those things are true, you can complete our application to see if you are approved.

In reviewing your application, we do not perform traditional credit checks but instead look at national databases like Clarity to get a picture of your financial history. This doesn’t mean that your credit background doesn’t matter. Actions that can lead to a bad credit score like defaulting on loans or consistently paying bills late will show up on our search. Even though we don’t factor your credit score into our decision, these kinds of actions might disqualify you from being approved for one of our lines of credit.

How Do I Apply for a Line of Credit?

  1. Head over to our application. To get started, you’ll need to enter some identifying information to verify your identity and location. You’ll also be able to create a password so that you can access your account in the future.
  2. Next, we’ll ask for some financial information such as your bank account number and employment details. Once we have all that, we’ll evaluate your application — you could hear back instantly!**
  3. If you are approved, we’ll verify your info one last time, you’ll sign the contract, and your money could be in your account as soon as the next business day.*

What If I Have Other Questions?

If you have any more questions about CashNetUSA’s lines of credit, you can head to our FAQs page or contact us directly. Our customer service representatives are ready to help seven days a week via phone, email and online chat. For further information about lines of credit, check out our other informational pages: