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Application Process

  1. Your Details
  2. Work Details
  3. Sign Contract
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  • Please provide the following information to confirm your identity.



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Text Message Alerts

  • Text Message Alerts from CashNetUSA
  • What You'll Get with Text Alerts:
    • Timely Funding, Extension and Due Date Notifications
    • Account Reminders and Status Updates
    • Functionality to Pay and Borrow via Text
    • Get 24/7 Access to Your Account on the Go!



  • By entering checking the boxes above and clicking the submit button, I certify that: (i) either (a) I am the account holder of the telephone number provided above, or (b) have the account holder's permission; and (ii) I have read the disclosures above and agree that CashNetUSA or anyone acting on behalf of CashNetUSA may contact me as described above.

    For help with SMS alerts, text 'HELP' to MYCASH (692274) or contact customer service at 888.801.9075. To cancel SMS alerts, either (1) Please log in to your account and under 'Contact Preferences', uncheck the appropriate boxes, or (2) text 'STOP' to MYCASH (692274) at any time. Message frequency depends on customer account. Message and data rates may apply.

    SMS text alerts are currently supported by U.S. Cellular, Verizon Wireless, T-Mobile®, AT&T, Sprint PCS, Boost, Cellular One, Dobson, Alltel and Virgin Mobile USA.

Michigan disclosures

  • DPSTA Article 3, Section 33(6) Disclosure

    Under Michigan law, you are entitled to receive the proceeds of this transaction in cash. If you request the proceeds in a check or money order, you may be charged additional check cashing or other processing fees by others for cashing the check or money order.

  • MCL 487.2152 Disclosures

    1. A deferred presentment service transaction is not intended to meet long-term financial needs. We can only defer cashing your check for up to 31 days.
    2. You should use this service only to meet short-term cash needs.
    3. State law prohibits us from entering into a transaction with you if you already have a deferred presentment service agreement in effect with us or have more than one deferred presentment service agreement in effect with any other person who provides this service.
    4. We must immediately give you a copy of your signed agreement.
    5. We will pay the proceeds of a transaction to you by check, by money order, or in cash, as you request.
    6. State law entitles you to the right to cancel this agreement and receive a refund of the fee. To do this, you must notify us and return the money you receive by the time this office closes tomorrow or on our next business day if we are not open tomorrow.
    7. State law prohibits us from renewing this agreement for a fee. You have to pay an agreement in full before obtaining additional money from us.
    8. State law prohibits us from using any criminal process to collect on this agreement.
    9. State law entitles you to information regarding filing a complaint against us if you believe that we have violated the law. If you feel we are acting unlawfully, you should call the Office of Financial and Insurance Services toll-free at 1-877-999-6442.
    10. If you are unable to pay your deferred presentment service transaction and have entered into 8 deferred presentment service transactions with any licensee in any 12-month period, state law entitles you to request a repayment of that transaction in installments. We are required to advise you of this option at the time it is available. If you elect this option, you must notify us, either orally or in writing, within 30 days after the maturity date of the deferred presentment transaction. The notice must be provided to us at our place of business. You may be charged an additional fee when the transaction is rescheduled in installments. You will be ineligible to enter into a deferred presentment service transaction with any licensee during the term of the repayment plan. If we refuse to provide this option under the stipulations above, you should contact the Office of Financial and Insurance Services toll-free at 1-877-999-6442.
  • DPSTA Article 3, Section 33(3)(a) Disclosure

    1. After signing this agreement, if you believe that we have violated the law, you may do 1 of the following:
      1. Before the close of business on the day you sign the agreement, notify us in person of the violation. You must provide supporting documents or other evidence of the violation.
      2. At any time before signing a new deferred presentment service agreement with us, notify us in writing of the violation. Your written notice must state the violation and provide supporting documents or other evidence of the violation.
    2. We have 3 business days to determine if we agree that we have violated the law and let you know of that determination.
    3. If we agree that we have violated the law, we must return your check and you must return the cash received under the agreement. Additionally, for each violation, we must pay you restitution equal to 5 times the amount of the fee we charged you under the agreement but not less than $15.00 or more than the face amount of your check. You may also pursue an action for your actual damages against us.
    4. If we do not agree that we have violated the law, we may present your check for payment or enter your check into the check-clearing process on or after the maturity date. If your check is returned to us unpaid, we may take other legal steps to collect our money.
    5. If you still believe we violated the law, you may file a written complaint including supporting documents or other evidence with the Office of Financial and Insurance Services. The Office is required to investigate your complaint and has the authority to order us to pay you restitution if they agree that we violated the law. In addition, the Office can order us to pay civil fines or take away our right to do business. To do so, contact the Office of Financial and Insurance Services toll-free at 1-877-999-6442.
  • Fee Schedule

    Your loan fees will be a flat, non-refundable fee of $0.45 per loan, plus $15.00 per $100.00 borrowed for the first $100.00 borrowed $14.00 for $101.00 to $200.00, $13.00 for $201.00 to $300.00, $12.00 for $301.00 to $400.00, and $11.00 per every additional $100.00 borrowed. You agree to pay us a $25 NSF fee if there are insufficient funds in Your Bank account on the Payment Date.

    $100 $200 $300 $400 $500 $600
      Term In Days Finance Charge / APR**
    8 $15.45
    704.91% 
    $29.45
    671.83% 
    $42.45
    645.59% 
    $54.45
    621.07% 
    $65.45
    597.23% 
    $76.45
    581.34%
    14 $15.45
    402.8% 
    $29.45
    383.9% 
    $42.45
    368.91% 
    $54.45
    354.9% 
    $65.45
    341.28% 
    $76.45
    332.19%
    20 $15.45
    281.96% 
    $29.45
    268.73% 
    $42.45
    258.24% 
    $54.45
    248.43% 
    $65.45
    238.89% 
    $76.45
    232.54%
    24 $15.45
    234.97% 
    $29.45
    223.94% 
    $42.45
    215.2% 
    $54.45
    207.02% 
    $65.45
    199.08% 
    $76.45
    193.78%
    31 $15.45
    181.91% 
    $29.45
    173.37% 
    $42.45
    166.6% 
    $54.45
    160.28% 
    $65.45
    154.12% 
    $76.45
    150.02%
    Click here for copy of Michigan license and other Michigan rates & terms

Promotional Information




The CNU Advantage: 4 out of 5 applicants approved. No fax, no extra paperwork. Instant approval, cash next day. 24/7 customer support.

Questions?

Call Application Support 888.403.6947

*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.

+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.

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

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.