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Is Quick Approval Possible With Payday Loans?

It’s a very unpleasant experience to realize that you won’t be able to cover an expense that’s due in just a couple of days. Is it true that because of easy approval cash payday loans provide a no-questions-asked solution to your problem? The answer is no. There’s more to applying for and receiving money than simply asking for and then receiving money. Though many online lenders advertise “quick approval payday loans” and “instant approval payday loans,” they might not all be able to make good on those promises. Depending on state verification requirements, you may have to fax additional information or take additional steps, which may delay receiving your loan.

At CashNetUSA, we understand that speed and reliability are both critical. That’s why we offer both free next business day funding* and also instant approval decisions** where possible to create a speedy process from top to bottom. But while we do offer instant approval decision payday loans,** it’s important to understand that not all loan applications are approved. Additionally, depending on state and verification requirements, you may not qualify for instant approval decisions** by CashNetUSA or our third-party lenders.

New Customers: Use Promo Code CASHNET50 on Your First Loan

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.+++

Easy Cash With Instant Approval Decisions**

At CashNetUSA, your money can be sent to your checking account by the next business day* if approved! And unlike many other lenders out there, we accept applications as late as 9pm CT Monday – Thursday for next business day funding.* If you apply on the weekend by 7pm CT Sunday, you’ll receive your cash on Monday* if approved!

All of this is made possible thanks to our quick application review process. We might not offer guaranteed payday loans (is anything in life ever guaranteed?), but with our instant approval decisions,** you could get your money in enough time to pay that bill before the due date arrives!


Back to Everything You Need to Know About Payday Loans

*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.