Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
The amount of money you may be able to borrow from CashNetUSA depends on a number of factors. The most important are the laws and regulations in the state where you live. Depending on the rules governing lending, you might be limited in the amount you can borrow and how long you can borrow it for. Also, we don’t offer online loans in every state. Check out our Rates & Terms page to learn more about what products are available in your state.
It’s also necessary that you meet our basic requirements for a loan:
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 meet all of these requirements and we offer loans in your state, you’re eligible to apply today!
Loan amounts vary based on loan type. Generally, CashNetUSA’s loans fall into three categories: payday, installment and line of credit. Broadly speaking, payday loans tend to be for amounts of $500 or less and must be repaid on or shortly after your next payday. CashNetUSA’s installment loan amounts, on the other hand, are usually around $1000 – $2000 and are repaid over several months or years. Finally, lines of credit vary widely but tend to have limits between $100 and $2400 and have more flexible repayment options.
Regardless of which options are available to you, the amount of money you might be able to borrow depends on factors like your income and financial history. We examine these factors through sources like Clarity and TransUnion. Though consulting these sources is different from checking your traditional credit score, it gives us a good picture of your past record of repaying bills and other debts. By weighing this information, we’ll decide how much to offer you and on what terms.
It’s simple! First, head to our online application and enter some basic information like your name and address.
Next, we’ll ask for some financial information, including your employer and income. We’ll use that data to help evaluate your application, deciding whether you are eligible you or not — often instantly!**
If you are eligible, you’ll get the chance to look over the amount you’re borrowing, as well as the rates and terms on that loan. If you sign the contract and receive final approval, your money can be in your bank account as early as the next business day!*
If you want to learn more about what kinds of loans CashNetUSA offers and how they work, you can head to our FAQs page, where we answer many common questions. If you’d still like to learn more, or if you would like help with your loan or application, feel free to contact our customer support team. Our dedicated representatives are available seven days a week via phone, email and online chat.