Payday Loans
Fast Cash When You Need It Most

Apply online or on the go
within minutes

Receive an instant lending decision,** even
with less-than-perfect credit

Get cash by the next business day*

Get Cash by the Next Business Day!*

Save 50% on initial loan fee for payday loans or receive a 50% rebate for interest on the first two payments of installment loans+++

Promo code: NEWCASH

What Is a Payday Loan?

A short-term loan that’s typically repaid on your next payday — along with a fee. These loans are usually smaller than bank loans. And the average length is roughly two weeks, depending on your state and pay frequency.

While payday loans are available in brick-and-mortar stores, online loans seem to be more common.

What You Need to Know

This online payday loans resource section will help to answer all your questions about how to apply for a payday loan, how to compare payday lenders, how to determine whether you’re eligible for online payday loans, and very much more!

Are Payday Loans a Good Idea?

Depending on your circumstances, they absolutely can be! A small cash advance may help you bridge the gap between paydays. They come in handy when you 1) need to pay an urgent bill and 2) are temporarily short on cash.

Here are the top three ways our customers say they use CashNetUSA loans:

  • 1. To pay household bills on time
  • 2. To handle emergency car and transportation expenses
  • 3. To cover the costs of medical and health emergencies

An online payday loan can help you avoid late fees, overdraft fees or bounced checks. (Sometimes, those fees are more expensive than the fees associated with a short-term loan!) Online loans can also help you pay emergency expenses that cannot wait. If you have an unexpected bill that needs to be paid as soon as possible, consider applying for a short-term loan to cover the costs.

How Will I Pay Back an Online Loan?

You can repay an online cash advance with an ACH payment. (This is a form of electronic debit from your bank account.) During the loan application, one of the pieces of information requested is your bank account routing number. Online lenders use that information to deposit the loan into your account. Then when the loan is due, they can debit the loan amount and fees directly from your account.

It’s important to remember, you should never borrow money without a solid plan for paying it back. If you know up front that you won’t be able to repay your loan on time, you should seek other financial solutions.

What Sets CashNetUSA Apart from Other Lenders?

With so many online lenders around, how do you know which ones are legitimate? CashNetUSA is a licensed online payday lender. All our fees are clearly posted on our Rates & Terms page, so you know how much you’ll repay before you even apply! Plus, approved borrowers can get cash by the next business day.* Not all lenders can say the same. We take pride in giving our customers the best short-term loan experience possible.

If you have questions about applying for an online loan, you may reach out to our 24/7 Customer Support team by phone, email or online chat. Please go to our Contact Us page for more information.

More Questions for Us?

CashNetUSA is dedicated to its customers. If you have more questions about payday loans, please visit our FAQ to find the answers. You’re also welcome to get in touch with our Customer Service team any time, day or night — by phone, email or live chat. We’re open 24/7!

Our customers tell us the main reasons they take out payday loans are:

  • To pay household bills on-time
  • Car/transportation emergency expenses
  • Medical/health emergencies
  • To pay off other creditors
  • Vacation or leisure traveling expenses

Because CashNetUSA is dedicated to its customers, we’ve put together a payday loan resource center for your convenience. Thankfully, there’s no reason to worry if you can’t find the answer to your question there because CashNetUSA Customer Service is available 24 hours a day, seven days a week via phone, email and online chat.