Quick Loans When You Need Them Most

Sorry, we don’t currently offer loans in . You may be eligible for an offer through our partner brand, NetCredit.

Check Your Eligibility

By clicking "Check Your Eligibility," you will be redirected to NetCredit.com.

Head to our Rates & Terms page to learn more.

Same-Day Deposit Available

If approved before 1:30 p.m. CT Monday – Friday

Instant Decision*

Receive an immediate decision

Quick Application

Apply online in minutes

Get fast cash from CashNetUSA.

When emergency expenses arise, it’s critical to have the funds you need — fast. That’s why more than 4 million people have trusted our entirely online loan process. At CashNetUSA, you can complete our quick application in just minutes. We use an alternative credit check that won’t affect your credit score, and we’ll give you an instant decision* right after you apply. Best of all — if you’re approved early in the day, you can receive funds as soon as the same business day!

Does CashNetUSA offer same-day loans?

CashNetUSA is the lender to choose when you need money now. Our speedy application and funding processes allow you to get funds the same business day when you apply and receive approval before 1:30 p.m. CT.

Apply and receive loan approval
1:30 p.m. CT
Get funds the same business day

Apply and receive loan approval
1:30 p.m. CT
Get funds the next business day

It’s important to remember that all loans are serious financial commitments and you should always be sure of your ability to repay. But if you need fast cash to cover an emergency expense, apply with CashNetUSA today!

What kind of loans does CashNetUSA offer?

CashNetUSA offers lines of credit and installment loans — however the type of funding we offer varies in each state. Visit our Rates & Terms page to see what’s available in your state.

We're faster than your traditional lender.

At CashNetUSA, our application and funding process is designed for speed.

Our application is just two short forms that request basic information. It can be completed in minutes! (It helps to have your bank account information handy.)

Get an instant decision*
We give you an immediate decision on your application. Banks and other types of traditional lenders can take days or even weeks.

Receive funds as soon as the same business day!
If approved before 1:30 p.m. CT Monday – Friday, you can receive your funds the same business day! That type of speed is hard to beat.

What are the requirements to apply?

You must meet the following requirements to be eligible for funding from CashNetUSA.

18 or older

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

We’re a lender you can trust.

Finding a source of funds when you need them fast can be stressful. With so many companies competing for business, you’ll want to make sure the lender you choose is one you can trust. At CashNetUSA, you can rest assured knowing your information is secure and customer support is available seven days a week.


We're part of the publicly-listed company Enova, NYSE:ENVA, and have helped more than 4 million hardworking Americans.


We hold ourselves to the highest data security protocols to keep your information secure.


You can contact our U.S.-based support team and talk to a real person seven days a week.

Learn more about quick loans.

Does CashNetUSA offer payday loans?

CashNetUSA no longer offers payday loans. We do offer other forms of fast funding, including lines of credit and installment loans. These forms of credit can be used for similar purposes as payday loans, and can offer more flexibility and longer repayment periods.

Can I get a quick loan with no credit check?

Most lenders will do some type of credit check prior to issuing you a loan. CashNetUSA uses alternative sources of information when checking credit, so applying with us will not affect your FICO® score.

How can I borrow money instantly?

No lender can truly offer money “instantly,” but funding from CashNetUSA is about as instant as one can find. Once you apply online, you’ll get an instant decision.* If approved, you may be able to get your funds the same business day if approved before 1:30 p.m. CT Monday – Friday. If approved after 1:30 p.m. CT Monday – Friday, you will receive funds the next business day.

Where can I find a quick loan near me?

Look no further! CashNetUSA offers fast funding in the following states: Alabama, Delaware, Idaho, Kansas, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah and Wisconsin.

If you live in one of those states and need a quick loan, apply today!