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There are many misleading statistics out there when it comes to short-term or online payday loans like the loans offered by CashNetUSA. So-called financial experts will tell you that payday loans are one of the worst investments that you can make due to their high APRs. What these experts fail to take into account when making their recommendations are the actual terms of the loans offered and how they compare to other types of quick borrowing. The fact is, there are a lot of online lenders claiming to offer low cost online loans, low rate online loans or so-called cheap online loans. The truth is that these types of loans don’t really exist. Fees and interest rates may vary, but there is no such thing as cheap money.
Save 50% on the initial loan fee of your first payday loan or receive a 50% rebate on the interest or fees of the first two payments of your first installment or installment-payday loan, respectively. Promo code not valid for the CashNetUSA line of credit product.+++
While it is true that the APR of CashNetUSA and bank online loans may seem high, there are many online loan advantages over other methods of getting quick cash. According to an examination by the Community Financial Services Association of America, the APR of bouncing a $100 check is about 1,449%. The APR of paying a late fee on a $100 credit card charge is about 965%, close to three times the APR of an online payday advance from CashNetUSA. Critics of online payday loans say that online lenders like CashNetUSA specifically target the poor or the uneducated citizens of the United States. CashNetUSA does not design loans to take advantage of uneducated borrowers. Our loans are designed to help citizens who are in need of quick cash before their next payday get the cash they need quickly. If you need cash but don’t want to deal with the extra charges of overdraft fees, late fees and bounced checks, contact CashNetUSA and learn more about payday loans today. Ask about our special online loan payment options like extensions, which are available in some states, that make it easier than ever to get the cash you need and pay it back on terms that will work for you!
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*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.