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Texas Credit Access Business (CAB) Payday Loan

CashNetUSA will not be the lender for loans received at this site. CashNetUSA is a Credit Access Business. We will attempt to arrange a loan between you and an unaffiliated third-party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by CashNetUSA and not the lender.

View our license and/or registration here.

Rates & Terms

Loan Amount

Up to 35% of your gross monthly income or $1,800, whichever is less

Loan Term

8 – 35 days

Fees

$25 per $100 borrowed, plus 10% interest on loan principal and CAB fees

You have the right to rescind your loan within three days of signing your loan contract. To access the cancellation forms, click here.

Actual loan terms may vary based on applicant's qualifications. Your loan will be due on your next payday that falls between 8 to 35 days away. If your pay dates fall outside of this range, your loan will be due in 14 days. If you are paid by paper check, we will give you a grace period of one day to deposit your check.

How It Works

  1. Apply online for a CAB payday loan in minutes.

  2. Receive an instant lending decision.* Possible decisions include Approved, Need More Information and Declined. If more information is needed, you may need to send in additional documents like paystubs or other proof of income.

  3. Apply early and receive funds as soon as the same business day, if approved.

  4. Repay on your scheduled due date. You are free to repay early at any time with no penalty.

Fee Schedule and Annual Percentage Rate

Your loan fees will be a flat, non-refundable fee of $25 per $100 borrowed, plus 10% interest on loan principal, which includes CAB fees. This translates to different annual percentage rates depending on your loan term. Click here to find fee schedules for five common loan amounts offered to our customers.

If your payment is 10 or more days late, you will be charged a late fee of 5% of the outstanding balance or $7.50, whichever is greater.

You will be charged a non-sufficient funds fee (NSF) of $30 one time per loan if you do not have enough funds in your account at the time your loan payment is due.

Consumer Disclosure Forms

These five links lead to cost disclosures, required by the state of Texas for all residents applying for a single-payment CAB payday loan, which outline the total costs associated with some common examples of these types of loans.

Extensions

If you need additional time to repay, you have the option of requesting a due date extension up to a maximum of four times. If you extend your loan due date, you will pay your initial CAB Fee and lender interest on the original due date and pay your loan principal, which includes an additional CAB Fee, plus any additional interest on your extended due date. After you have extended your loan due date four times, you may be eligible for an extended payment plan. For more information on the extended payment plan, click here.

Requirements to Apply for CashNetUSA Services

In order to be eligible for CashNetUSA services, you must meet our requirements:

18 or older

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

Consumer Credit Notice

This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question.

2601 North Lamar Boulevard
Austin, Texas 78705
Phone: (800) 538-1579
Fax: (512) 936-7610
Website: occc.texas.gov
Email: consumer.complaints@occc.texas.gov

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Terms Explained

Amount Disbursed

This is the amount you will receive in your bank account if approved.

Example: Jane Smith is approved for a $500 loan. This $500 is the amount disbursed.

Due Date

Your due date is the date on which you must repay your loan. You may repay early with no penalty.

Example: Based on her pay schedule, Jane's loan will be due when she gets her next paycheck in 14 days.

Loan Fee/Finance Charge

These terms refer to the dollar amount your loan will cost you, in addition to the amount disbursed. The loan fee/finance charge includes interest and CAB fees.

Example: Because she borrowed $500, Jane's loan fee/finance charge will be $127.39.

Total of Payments

This is the sum of the amount disbursed and the finance charge. It is the total amount you must repay.

Example: Adding together her amount disbursed and finance charge, Jane’s total of payments comes to $627.39.

APR

APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.

Texas Credit Access Business (CAB) Installment Loan

CashNetUSA will not be the lender for loans received at this site. CashNetUSA is a Credit Access Business. We will attempt to arrange a loan between you and an unaffiliated third-party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by CashNetUSA and not the lender.

View our license and/or registration here.

Rates & Terms

Loan Amount

$300 - $2,500

Maximum Loan Term

180 Days

Fees and Interest

A CAB fee of $.40 - $.80 per $100 borrowed per day, plus 10% interest on loan amount and CAB fees

Annual Percentage Rate

222% - 579%

Actual loan terms may vary based on applicant's qualifications.

You have the right to rescind your loan within three days of signing your loan contract. To access the cancellation forms, click here.

How It Works

  1. Apply online in minutes.

  2. Receive an instant lending decision.* Possible decisions include Approved, Need More Information and Declined. If more information is needed, you may need to send in additional documents like paystubs or other proof of income.

  3. Apply early and receive funds as soon as the same business day, if approved.

  4. Repay over your scheduled loan term. You are free to repay early at any time with no penalty.

Fee Schedule and Annual Percentage Rate

The cost of your loan will include a CAB fee of $.60 - $.80 per $100 borrowed per day depending on loan amount, plus 10% interest on loan principal, which includes CAB fees. This translates to different annual percentage rates depending on your loan term. Click here to find fee schedules for three common loan amounts offered to our customers.

If you pay off your loan early, we may rebate a portion of your CAB fee. (See table below for an example.)

This is a representative example of a CAB Fee Rebate based on a loan in the amount of $800.00 with a CAB fee of $1,068.80 and a bi-weekly payment schedule entered into on February 15, 2020. Refer to your CAB Agreement for the CAB Fee Rebate Chart applicable to your loan.

Payoff Date

Total CAB Fee Paid

CAB Fee Rebated to You

Feb 15, 2020
through
Feb 28, 2020


Feb 29, 2020
through
Mar 13, 2020


Mar 14, 2020
through
Mar 27, 2020


Mar 28, 2020
through
Apr 10, 2020


Apr 11, 2020
through
Apr 24, 2020


Apr 25, 2020
through
May 08, 2020


May 09, 2020
through
May 22, 2020


May 23, 2020
through
Jun 05, 2020


Jun 06, 2020
through
Jun 19, 2020


Jun 20, 2020
through
Jul 03, 2020


Jul 04, 2020
through
Jul 17, 2020


Jul 18, 2020
through
Jul 31, 2020


$89.07



$178.14



$267.21



$356.28



$445.35



$534.42



$623.49



$712.56



$801.63



$890.70



$979.77



$1,068.80


$979.73



$890.66



$801.59



$712.52



$623.45



$534.38



$445.31



$356.24



$267.17



$178.10



$89.03



$0.00

If your payment is 10 or more days late, you will be charged a late fee of 5% of the amount due or $7.50, whichever is greater.

If a payment is returned as unpaid, you agree to pay a $30 returned payment fee.

Consumer Disclosure Forms

These three links lead to cost disclosures, required by the state of Texas for all residents applying for a multi-payment CAB payday loan, which outline the total costs associated with some common examples of these types of loans.

Requirements to Apply for CashNetUSA Services

In order to be eligible for CashNetUSA services, you must meet our requirements:

18 or older

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

Consumer Credit Notice

This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question.

2601 North Lamar Boulevard
Austin, Texas 78705
Phone: (800) 538-1579
Fax: (512) 936-7610
Website: occc.texas.gov
Email: consumer.complaints@occc.texas.gov

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Terms Explained

Amount Disbursed

This is the amount that the customer will receive in their bank account if approved.

Example: Jane Smith is approved for a $1,200 loan. This $1,200 is the amount disbursed.

Loan Fee/Finance Charge

These terms refer to the dollar amount your loan will cost you, in addition to the amount disbursed. The loan fee/finance charge includes interest and CAB fees.

Example: Because she borrowed $1,200, Jane's loan fee/finance charge will be $1,682.66.

Total of Payments

This is the sum of the amount disbursed and the finance charge. It is the total amount you must repay.

Example: Adding together the amount disbursed and finance charge, Jane’s total of payments comes to $2,882.66.

Term

This is the length of time over which your loan must be repaid. You may repay early with no penalty.

APR

APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.