Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
If you’re facing financial hardship due to an unexpected expense, a personal line of credit might be the solution for you. A line of credit is a flexible borrowing option that allows you to request funds as you need them. CashNetUSA is based online, so our application is always available, and we serve the entire state of Kansas! Whether you live in Topeka or Wichita, we can help get you the cash you need.
A line of credit gives you more flexibility in borrowing and repaying than traditional loans. If you are approved, you’ll be given a credit limit. You can make withdrawals at any time up to that limit, repaying the balance over time. You can make monthly payments or pay off your balance all at once to reduce interest charges. CashNetUSA uses ACH (Automated Clearing House) to electronically process payments directly from your checking account.
Review the detailed information on our Rates & Terms page for more information on interest, fees and repayment.
CashNetUSA makes it easy and convenient to apply for a line of credit. As long as you meet the following requirements, you can apply:
You must be 18 or older1
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
In order to get you an instant eligibility decision**, we’ll need some basic information about you, such as your checking account and your employer. We use this info to review your financial history through sources like Clarity and TransUnion and then make our decision.
CashNetUSA is committed to helping hardworking individuals move past financial hardships. We are also committed to customer service and transparency. You can learn more about online lending and lines of credit on our FAQs page. If you need more information or have specific questions about your loan or the application process, contact us via phone, email or live chat.