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Finding the Best Rated Payday Loan

If you’re in need of emergency funds, you may be on a mission to find the payday loan company best suited for you. But as soon as you begin looking through the countless payday loan reviews on the Internet in search of trusted payday lenders, it becomes clear that online talk is cheap — everyone claims to be a responsible and fair provider of loans. So who can you really trust?

Choosing the best payday lender means knowing what to look for. Does a particular lender provide outstanding customer service? Do they have innovative programs you may be able to join? Do they have flexible hours for accepting loan applications? Asking questions similar to these can help you identify the best payday loans for you in a very crowded field. Although payday loan lender reviews can be very helpful, you may not get the whole story until you ask some hard questions.

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.+++

Who to Trust for Payday Loans?

In addition to asking hard questions, you also want to choose a payday loan provider that makes you feel “safe.” The last thing you want is to deal with a lender who may not be a responsible or safe payday loans company. Unfortunately, requesting a loan from an unlicensed lender could leave you vulnerable to a variety of risks — something you want to avoid at all costs. There are many websites operated by non-accredited, non-licensed payday lenders that claim to be safe, trustworthy and secure. And though many of these lenders claim that they're located within the United States, they may be operating outside of the country in order to bypass state regulations.

On the other hand, CashNetUSA is fully committed to responsible lending. We dedicate ourselves to providing consumers with the trustworthy, quality service they deserve. We have taken pride in serving more than 1 million satisfied customers since 2004. As a business that puts customers first, we’re constantly looking for new ways to better our services and provide a top payday loans service for deserving people.


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.