Online Payday Loans to Keep You Going

Select your state for eligibility:
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Head to our Rates & Terms page to learn more.

Quick Application

Apply online in minutes without affecting your traditional credit score§

Instant Decision

Receive an immediate decision**

Fast Funding

Get money the next business day*

Payday Loans from CashNetUSA

CashNetUSA offers online payday loans, sometimes referred to as cash advances, in a number of states, including California, Florida and Michigan.

Our payday loans are unsecured short-term loans, usually for less than $500.

The amounts, terms and types of loans available differ according to where you live.

Check out our What We Offer page to see what’s available in your state and our Rates & Terms page to see the amounts and terms available.

If an online payday loan is not available in your state, you still might be able to apply for a product that suits your needs — such as a longer-term installment loan or a flexible line of credit.

Applying Online for a Payday Loan

CashNetUSA's online application is quick and easy.

  1. First, provide us with some basic information so we can verify your identity and employment.
  2. Then rather than running a traditional credit check, we use our alternative credit check process to look at different parts of your financial history, so even if you have a less-than-perfect credit score, you can still be approved for a CashNetUSA loan.
  3. In many cases we can offer an instant eligibility decision.** In some states, we are required to collect additional documents, such as paystubs, which can slow down the approval process.
  4. If you’re approved for a payday loan, we will deposit the funds directly to your bank account as fast as possible — usually by the next business day.*
  5. We lay out the rates and terms before you sign your contract, so there are no hidden charges or fees. If you apply for one of our online payday loans, you’ll know exactly what you’re getting.

The Loan Repayment Process

CashNetUSA makes it easy to repay your online loan.

Simply give us authorization when you sign your contract, and we will use ACH to withdraw funds from your bank account when a payment is due.

Just be sure you have sufficient funds in your account on those days, otherwise you could face overdraft fees and other penalties from your bank. If you won’t be able to make a payment, please call us in advance at 888.801.9075.

To learn more, visit our guide to the payday loan repayment process.

Any Questions? We’re Here to Help!

We have helpful information on such topics as:

You can also check out our Rates & Terms page for information on products and services.

Our customer service representatives are available seven days a week to answer any additional questions.

About Us

Founded in 2004, CashNetUSA is a state-licensed online lender that has served more than 3 million customers.

We are a direct lender in every state we serve except for Texas and Ohio.