Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
The key thing to understand is that “Instant Approval” is not always as straightforward as it sounds.
Consider this situation: An unexpected expense pops up at the last minute, stretching your planned budget to the breaking point. And if the expense is urgent, you may not know where to turn — many lenders may take days or weeks to fund their loans.
In such a situation, you might turn to lenders who promise quick or instant approval. But it’s important to remember that even the speediest lenders comply with regulations and collect the materials they require to process and verify your application. In certain situations, you may have to provide additional information or documentation to supplement your application, and your approval can be held up while these are sent and processed.
Because of this, you should be prepared for the possibility that you might have to wait to hear back, even from lenders who promise instant approval.
CashNetUSA’s advanced online loan application process usually allows us to offer instant lending decisions,** letting you know right away if you’ve been approved. In many cases, if you submit your application before 6 p.m. CT Monday – Thursday and are approved, you may be able to get your money by the next day!*
If you’re applying on the weekend, just make sure to submit before 6 p.m. CT on Sunday, and you’ll usually get your money on Monday, if approved!*
Of course, it’s always possible that some issue might hold up your application. In that case, you may have to send over extra information, delaying our decision. We’ll keep you updated throughout the process to make sure you always know the status of your application.
The first thing to check when you’re interested in applying for an online payday loan from CashNetUSA is whether we offer loans in your state — visit our Rates & Terms page to see if we operate in your state and what products we offer.
If we offer payday loans where you live, there are a few basic requirements you must meet in order 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’re qualified, feel free to head to our quick online application. Most people complete it in around five minutes, so check your eligibility today!
CashNetUSA is committed to transparency and to providing an easy online loan process. To help with that, we’ve created a FAQs page that collects all the most common questions we hear from customers. If you still have questions about your application or loan, our customer service reps are available seven days a week. Just head to our contact page to learn how to get in touch via phone, email or online chat.