Apply online in minutes
Receive an immediate eligibility decision**
Get cash the next business day if approved*
A paycheck advance, also known as a payday loan or cash advance, is a short-term loan that is available to employed individuals who face unexpected and urgent expenses between pay periods. If you are facing unforeseen bills like medical costs or car repairs, a paycheck advance can help you get to your next payday. If you apply and are approved for an advance, we can often deposit money in your bank account as soon as the next business day!*
Applying for a paycheck advance from CashNetUSA is quick and easy. You can apply online at any time. If you meet some basic requirements and our payday loan product is available where you live, you may be able to get funds to help you until your next paycheck.
Before you begin the application process, check out our Rates & Terms to see if we offer loans in your state, and if we do, review the available loan amounts and repayment terms. These important details vary widely from state to state, so be sure to read this information before making a decision. After that, check whether you meet our basic requirements:
If we offer a product you’re interested in, you must meet the following requirements to successfully apply:
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 are approved for a loan, CashNetUSA will set up an automated electronic debit. This allows us to withdraw funds from your checking account on the day your loan is due. If you currently use an automated payment process to pay utility or credit card bills, you are likely familiar with this procedure. All you have to do is provide the routing number of your checking account and authorize CashNetUSA to withdraw the payment on the due date — once you’ve done that, you’re good to go!
It is crucial that funds are available on the repayment date — if you foresee any issue in funding, contact CashNetUSA immediately at 888.801.9078. We may be able to help you by changing your repayment date or setting up an alternate payment plan.
More than 2 million Americans have turned to CashNetUSA in times of need to gain access to emergency funds. We are a state-licensed, direct lender with over 10 years of lending experience.
Financial services shouldn’t be confusing, especially in times of need. CashNetUSA is committed to clarity and transparency, and we’re here to answer your questions seven days a week. If you want to learn more about paycheck advances, our FAQs page can help. And if you need further assistance, you can contact us via email, phone or online chat.