Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
An online loan is a loan you apply for on the Internet instead of at a storefront location. You can apply for an online loan from your computer or mobile device, letting you complete the whole process from the comfort of your own home. With an online loan, you’ll never have to stand in line for the funds you need!
CashNetUSA offers different products in different states, depending on each state’s regulations. If CashNetUSA offers products in your state, you might be able to apply for a short-term payday loan, a longer-term installment loan or a flexible line of credit. Head to our Rates & Terms page to check which CashNetUSA products are available in your state, if any. Regardless of the specific product offerings, all of CashNetUSA’s loans are 100% online, meaning that the entire loan process can be completed over the Internet. No trips to a storefront required!
When talking about loans, “short-term” is usually used in contrast to “installment.” What this means is that short-term loans will generally be repaid all at once or over a small number of repayment periods. An installment loan, on the other hand, will usually be repaid over months or years. Because you don’t have the option to split up your repayment into many smaller chunks, short-term loans are usually for smaller amounts than installment loans.
Before you decide whether to apply or not, you should check CashNetUSA’s Rates & Terms page to see if we offer products in your state and, if so, research the details of the loan you’re considering and decide whether it’s right for you.
If you live in a state where we offer loans and decide to apply, all you have to do is head to our online application and fill out the required information. Generally, we’ll need to confirm that you:
At CashNetUSA, we believe you’re more than just a credit score, which is why we use an alternative credit check to evaluate applications. We use this alternative credit check to look at parts of your financial history and then use our customer underwriting model to determine whether you are eligible for a loan. This means that individuals with less-than-perfect credit may be approved for CashNetUSA loans.† It also means that your application might be declined if you have defaulted on past transactions.
We will evaluate your application and get back to you with an approval decision as quickly as possible, sometimes instantly**. If you are approved, you can sign the contract, authorizing CashNetUSA to withdraw payments from your bank account. Once everything is in order, your money will be deposited in your bank account — sometimes as soon as the next business day !*
As mentioned above, CashNetUSA withdraws payments directly from your bank account. They do this using ACH. This is a system that allows you to link your bank account directly with your loan, greatly simplifying the process of receiving your money and making your repayments.
Simply put, once you sign your contract, ACH allows CashNetUSA to draw the predetermined repayment amount from your bank account on the date it is due.
Take note: this draw will happen whether you have sufficient funds or not! If your repayment causes your account be overdrawn, you might be charged fees by your bank.
CashNetUSA is a direct lender with more than ten years of experience helping hardworking people get the funds they need to overcome emergencies and take care of their expenses. If you have any further questions about CashNetUSA or our products, contact us by phone, email or online chat. Our customer service representatives are ready to talk seven days a week.