Apply online in minutes
Receive an immediate decision**
Get money the next business day*
When you need a cash advance for a financial emergency, you don’t have time to wait on your funds.
Going to the bank, filling out a long application and waiting days to hear whether you’ve been approved for a cash loan is just not an option.
With CashNetUSA, you won’t have to go through that uncertainty.
Our application can be completed in minutes, and in many cases, we can give you an instant eligibility decision!**
Not having to wait on your approval means less time worrying about your future and more time spent making it better.
If you are approved, your money should be in your account by the next business day.*
We do not offer “Bad Credit Instant Loans.”
Our loans are fast, but they are not instant. A lender who claims that they can get you funds instantly may well be a scam artist or an unscrupulous business.
We don’t claim to offer “bad credit loans” — if you have bad credit due to financial mistakes like a loan default or missed bill payments, you may still be declined for a loan from CashNetUSA.
Furthermore, CashNetUSA cannot help you improve your bad credit or help you build credit if you have none. There are plenty of other financially sound ways to build your credit — our services are here to help you when you have a financial emergency.
If you ever have any questions about any of our products, contact our highly-trained, U.S.-based customer service team.
Our online loan application process is quick and easy, but we don’t want you wasting any of your time applying for a loan if you are not eligible.
First, check our Rates & Terms page to see which, if any, products we offer in your state of residence.
Then, make sure you meet the following requirements:
You must be 18 or older1
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
If you live in a state where we offer products and you meet our requirements, you can begin applying immediately!