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Virginia Line of Credit

As the birthplace of eight U.S. presidents, our state is commonly referred to as the “Mother of Presidents.” But just because we live in a historically influential state doesn’t mean we’re excluded from financial trouble, particularly emergency expenses. Trust us — Thomas Jefferson won’t be helping you pay your overdue bills anytime soon! But while there are no payday loans in Virginia to help us overcome these unexpected expenses, CashNetUSA has something else to offer.

In Virginia, CashNetUSA offers its most flexible product — a line of credit. A line of credit gives approved customers more control over when and how much they borrow.

The process begins with our simple 5-minute online application, which you can fill out from the comfort of home. We’ll then provide you with an instant approval decision.** If approved, you’ll be given a credit limit. You can then borrow as much or as little as you want up to that credit limit, with a minimum withdrawal amount of $50.

When you withdraw funds, they’ll be sent to your account as soon as the next business day,* allowing you to cover your emergency expense as soon as possible. Best of all, requesting funds doesn’t require another application — you only need to apply once!

In addition to offering a flexible line of credit and next-business-day funding,* CashNetUSA also offers plenty of other benefits. For instance, our customer support is open 24/7, so you can get answers to your questions at any time of day or night, whether you’re calling from Richmond, Norfolk or anywhere else in Virginia. We also do not require perfect credit to apply.†

When you’re faced with an emergency expense, you may not know which way to turn. You might have found several lenders you’re considering, but not know which one to go with. By applying at CashNetUSA, you can be assured that you’re applying for a flexible loan product from a company that has your interests at heart.

Whether you’ve been hit with sudden medical bills or you need to repair your car after a breakdown, you’re probably in search of financial relief. And no matter what part of Virginia you live in — from Arlington or Chesapeake to Virginia Beach or Newport News — you can apply at any time of day or night from the comfort of home.

Here are some quick things you should know about CashNetUSA’s line of credit online:

  1. Credit limit: After you apply and are approved, you will be given a personal credit limit.
  2. Available credit: This is the amount you have available to request from your line of credit (credit limit minus principal outstanding).
  3. Account balance: This is the total outstanding amount of advanced credit, including interest and fees accrued during your current billing cycle.
  4. Principal: This is the amount you have borrowed from your line of credit, not including fees or interest.

What if I’m Unemployed? Can I Still Receive a Virginia Line of Credit?

In order to become eligible for a line of credit Virginia online, you must have an active checking account, be a U.S. citizen or permanent resident, be at least 18 years old and, you guessed it, have been employed for at least one month. While there are no payday loans VA, the requirements would be the same. If you’re currently unemployed in Virginia, it’s in your best interest to find a job soon and improve your way of life. Here are some interesting statistics that could apply to you:

  • In 2009, 10.6% of Virginia residents were below the poverty level.
  • The median household income was $59,372 in 2009.
  • From 2005 – 2009, it took a worker aged 16+ an average of 26.9 minutes to get to work in Virginia.

Back to Payday Loan States

Payday Loans in Virginia with CashNetUSA Get to Know Our State Better

Sure, we’re proud to be residents of “Old Dominion,” one of the 13 colonies of the American Revolution, but we’re more pleased to reside in a state that believes in the following laws:

Fun facts about Virginia
  • In Richmond, you cannot flip a coin to determine who pays for coffee.
  • You cannot keep any of the following animals as pets: monkeys, leopards, tarantulas, tigers, lions, panthers, skunks or crocodiles. Sorry.
  • No animals can be hunted on Sundays except raccoons, which can be hunted until 2am.
  • Women rejoice! It is illegal to tickle women.

*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.

+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.

1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.