Online Cash Advances
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Online cash advance loans from CashNetUSA.
The term “cash advance” often refers to credit card cash advances or short-term loans, but includes other types of credit. CashNetUSA offers installment loans and lines of credit, which are a popular choice for borrowers who need fast and flexible emergency funding. Visit our Rates & Terms page to see the products that are available in your state.
Installment Loan
An installment loan is a type of personal loan that many people are familiar with. You apply for money with a lender, and if approved, you’ll receive a lump sum of cash deposited into your bank account to help you meet your financial needs.
For repayment you’ll pay the loan off in smaller increments on a fixed repayment schedule.
With CashNetUSA, the “term” (amount of time) you will repay can range from 5 - 24 months. This gives you more time to repay than cash advance loans. Plus you can repay early with no penalty to save on interest.
Installment loans can be a good financial solution for tackling large, one-time expenses.
Line of Credit
A line of credit is a form of open-end credit. Unlike an installment loan which provides an upfront lump sum of cash, a personal line of credit allows you to borrow money as needed up to your credit limit.
If approved with CashNetUSA, you’ll be able to draw as much as you need (up to your credit limit) and have the funds deposited to your checking account.
For repayment you’ll have a minimum payment due each billing cycle. Or, you can pay more, with no penalty, to reduce the amount of interest you’ll pay. As you repay, your credit limit will replenish, freeing up more funds for future emergencies.
Lines of credit are great for quick access to credit without having to reapply each time you need it.
Other types of cash advance loans.
A cash advance can refer to many different types of credit. Here are three of the more common types of loans that may be referred to as a cash advance.
Online payday loan. Online payday loans are a type of short-term loan. They often need to be repaid in full on the borrower’s next payday. The combination of their short repayment period and high interest rates can make payday loans a risky choice for borrowing. CashNetUSA does not offer online payday loans. Instead, we offer payday loan alternatives including online installment loans and lines of credit.
Credit card cash advance. A credit card cash advance allows you to withdraw cash using your credit card. It can provide immediate access to funds when you need them. However, many credit cards limit the amount you are allowed to borrow and it may come with a higher interest rate and other fees than your normal credit card charges.
Cash advance apps. Cash advance apps let you borrow from your next paycheck before you’ve been paid. They will then automatically withdraw the money you borrowed from your bank account on payday. It can be an expensive way of borrowing since the apps often charge subscription fees.
See how CashNetUSA compares to a cash advance app.
Cash advance apps work differently from other types of borrowing. They typically don’t charge interest and don’t express the cost of borrowing as an annualized percentage rate (APR). Instead, they use different ways of charging you on top of your repayment.
For example, an app may have a monthly subscription cost, ask for tips or charge expedited funding fees. Lenders and credit card companies use APR as an industry standard to promote transparency and clear terms. Cash advance apps can cause confusion over the true total cost of repayment. View our table to learn all of the notable differences between CashNetUSA and cash advance apps.
*Funding amounts vary by state. Check your state's Rates & Terms for details.
How fast can I get an online cash advance loan through CashNetUSA?
At CashNetUSA, we understand that speed is one of the most important factors when you need emergency funding. Our process is streamlined and designed to deliver funds as quickly as possible. It’s about as instant as you can get when it comes to emergency funding!
Apply
Our online application process is fast — 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.
Receive funds as soon the same business day!†
If approved before 1:30 p.m. CT Monday - Friday, you can receive your funds the same business day!†
Make sure you’re eligible to apply.
You must meet the following eligibility requirements in order to be eligible for funding from CashNetUSA.
18 or older
Verifiable, steady source of income
Active checking account
U.S. citizen or permanent resident
Learn more about cash advances.
Cash advances can be helpful in emergency situations. For example, a cash advance may be a good option if you have urgent unexpected expenses, like a home or car repair you need to cover quickly.
There are many safe and reliable lenders that offer online cash advance products. However there are also companies that are less than reputable as well. When looking for an online loan, be sure the companies you consider are secure and trustworthy before providing any of your personal information. To learn more about staying secure from scammers, check out our online security center.
CashNetUSA serves customers in the following states: Alabama, Delaware, Idaho, Kansas, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah and Wisconsin. Our quick online application makes it easy to apply from home or on the go.
If you live in one of those states and are in need of fast funding, stop searching for “cash advance near me” or “financial company near me” and apply with CashNetUSA to see why borrowers choose us for their cash advance needs.
Online cash advances have made the emergency funding process much faster. If you’re looking for a cash advance right away, apply with CashNetUSA. At CashNetUSA, we do our best to get you money as fast as possible. Our loan application is simple and only takes a few minutes. Plus, you’ll get an instant decision.* If approved before 1:30 p.m. CT Monday - Friday, you can get your money as soon as the same day.† If you’re approved after 1:30 CT Monday - Friday, you can get your funds the next business day.
It is possible to get a cash advance online with bad credit. At CashNetUSA, we conduct an alternative credit check that allows us to look at a broader set of factors beyond a traditional credit score. While we can’t approve everyone, this allows us to approve applicants with less-than-perfect credit histories.
Some lenders advertise no credit check loans or cash advances for bad credit, but most lenders will do some type of credit check prior to offering a loan. CashNetUSA does an alternative credit check that uses sources of data, such as Clarity, rather than the the three main credit bureaus. Additionally, our alternative credit check looks at a broader set of factors than just your credit score. This allows some customers to be approved with less-than-perfect credit.*