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CashNetUSA's Short-Term Loans

CashNetUSA offers a variety of loans and other credit products, each with different term lengths and repayment details. Some of these products are short-term loans, but we also offer longer-term installment loans and more flexible credit products.

Our traditional short-term loans are payday loans — also known as cash advances or paycheck advances. These are small loans that are generally repaid within 2 – 4 weeks. They are useful for emergency situations but are not designed to be a long-term financial solution.

Line of Credit — A More Flexible Option

In some states you may be able to apply for a personal line of credit. CashNetUSA’s line of credit is a credit product that offers more flexibility than traditional loans.

If approved for a line of credit, you will receive a credit limit, and you can request cash advances up to that limit. Every billing cycle you will have a minimum payment, but you may make extra payments or repay the amount outstanding in full at any time without any extra fees.

To check if you are eligible for a line of credit and learn more about the product, visit our Rates and Terms page.

Short-Term Loans vs. Installment Loans

When talking about loans, “short-term” is usually used in contrast to “installment.”

What this means is that short-term loans will generally be repaid all at once or over a small number of repayment periods.

An installment loan, on the other hand, will usually be repaid over months or years and is typically for a larger amount.

In some states, installment loans are the only product we offer. See our Rates and Terms page for more details.