Same-day deposit available
if approved before 10:30 a.m. CT
Monday - Friday

Quick Application

Apply online in minutes

Instant Decision

Receive an immediate decision*

Fast Funding

Apply early for same-business-day funding

Is CashNetUSA's Application Easier Than Storefront Lenders'?

We certainly think so!

With CashNetUSA’s easy online application, you can apply for a quick loan anywhere, anytime.

Rather than having to travel to a storefront and fill out a bunch of physical paperwork, you can complete your application from the comfort of your own home on your mobile device or computer.

What Makes CashNetUSA’s Personal Loans So Quick and Easy?

Application & Funding

In addition to being able to apply at home (or wherever you choose), here are some additional elements that make our application so simple:

  1. It’s faxless. Unlike many other lenders — even ones that allow you to apply online — CashNetUSA’s personal loans are handled entirely over the internet. That means you won’t have to fax or mail driver’s license photocopies, paystubs or anything else to complete your application. Everything takes place on your computer or mobile device.

  2. The application is short and simple. We just need your name, address, employer, bank account number and a few other details, which we will use to pull the information that we need to make a decision on your application!

  3. Instant decision.* Once you’ve given us the information we need, you won’t have to sit around wondering whether you’ll be approved. In many cases, we give you an instant eligibility decision, letting you get on with your day.*

  4. Apply early for same-business-day funding. If you’re approved, the last thing you’ll want to do is wait days for your cash to appear. With CashNetUSA, you can get your funds deposited in your bank account as soon as the same business day if you apply and are approved before 10:30 a.m. CT Monday - Friday!


Once you have a loan with CashNetUSA, we make it easy to manage your online loan and to contact us with any questions.

Our simple account interface allows you to easily check your loan status, past and upcoming payments, due dates, and much more.

If you need help with anything, we offer three easy ways to contact our U.S.-based customer service team — phone, live chat and email. Simply choose the one you are most comfortable with and get the help you need.


We make repaying your loan a simple process. You can sign up for and authorize automatic payment withdrawals. We’ll then debit your payment amount(s) on your scheduled due date(s). There’s no need to write out and mail checks! However, there may be certain instances where you can pay by personal check if you’d prefer.

What Are the Requirements for a CashNetUSA Personal Loan?

The requirements to apply for a CashNetUSA loan are simple and few.

But first you should check our Rates & Terms page to make sure we offer products in your state of residence. If we do offer products in your state, you just have to meet the following basic requirements:

You must be 18 or older1

You must have a verifiable, steady source of income

You must have an active checking account

You must be a U.S. citizen or permanent resident

More About CashNetUSA Online Loans

We offer different products in each state, so you may be eligible for a line of credit, a payday loan of less than $500, or a longer term installment loan of $1,000 or more, depending on where you live.

Regardless of what we offer in your state, you can be sure that you will receive transparent terms and great customer service. Also, we don’t claim to offer unrealistic products like “bad credit loans” or “instant loans.”

Above all, we are proud of our 10+ years of experience helping hardworking Americans quickly get the funds they need.

1Must be 21 years of age for Mississippi residents and 19 years of age for Alabama and Delaware residents.