Amount:
- Up to $700
Features:
- 5 Minute Application
- 24/7 Customer Service
- Instant Approval – Next Day Deposit
- Less Than Perfect Credit
CashNetUSA is a source of fast and easy loans that can help tide you over from payday to payday. Although actual ‘payday loans’ are not available in all state, they do have lenders in most states for short term loans. Based on where you live and the amount of money you need to borrow, there may be a loan available for you. The maximum amount listed on the CashNetUSA website is $700, but this too may vary from state to state and from lender to lender.
One of the great benefits of using CashNetUSA for a short term or payday loan is that they have incentives to help you earn back some of those finance fees you pay when taking out a loan. It is possible to save up to 30% of your fees by becoming a preferred member and you can also earn a $20 credit for referring a friend who gets approved for a loan.
While the site has 24/7 customer service with live online chat for any questions you may have about the application process and the services offered by CashNetUSA, applications are only processed until 9PM CST Monday through Thursday and until 7PM CST on weekends if you want funds as early as the next business day. The process is quick and easy, but there are very specific cut off times to be aware of if you need funds immediately.
Another feature that consumers need to be aware of is that ‘payday loans’ are not necessarily available in all states. Loans in some states would qualify as installment loans and some states have both payday and installment loans. In New Mexico and Ohio you would use their Credit Service Organization to be matched with short term lenders while Texas applicants use the Loan Matching Service that puts them in touch with lenders in just seconds. Unfortunately, a few states including Nevada and Pennsylvania have no lenders available.
Even though the availability of same day funds does not appear to be available, there are a broad range of loans that can be matched with a wider number of applicants. While not our number one choice, there is plenty to recommend this site for and we believe it deserves a rank among our top five.
