- Online lenders like CashNetUSA fund by ACH, usually by the next business day.
- Products depend on your state: payday, installment or line of credit.
- An installment loan or line of credit can cost less than repeated payday loans, but APRs are still high.
What CashNetUSA offers
CashNetUSA is an online-only lender. Depending on your state, it offers payday loans, installment loans or a line of credit, applied for online and paid into your bank account. Because each state sets its own rules, the products, amounts and prices you see depend on where you live.
Similar online lenders
Several online lenders work in a similar way. Each is only available in certain states:
- Online payday lenders such as Check 'n Go and Speedy Cash (online in some states) offer small loans due on your next payday.
- Online installment lenders such as OppLoans offer larger loans repaid over months, often to borrowers with poor credit.
- Lending networks pass one request to multiple lenders. Our homepage form works this way.
We do not rank lenders by name, because approval and pricing depend on your state, income and credit history. Use the checklist below to compare any offer you get.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday vs. installment vs. line of credit
| Type | How you repay | Best for | Watch out for |
|---|---|---|---|
| Payday loan | One payment on your next payday | A small, one-time gap you can repay in full | Rollovers and repeat fees |
| Installment loan | Fixed payments over several months | A larger expense you need to spread out | High APR over a long term adds up |
| Line of credit | Minimum payments on what you draw | Repeated small needs | Paying only the minimum keeps you in debt |
Cheaper alternatives
| Option | Typical cost | Speed | Credit check |
|---|---|---|---|
| Cash advance / earned wage app | Free to a few dollars per advance; optional tips or instant-transfer fees | Minutes to 1–3 days | Usually none; based on deposits |
| Credit union payday alternative loan (PAL) | Max 28% APR + up to $20 application fee | 1–2 days for members | Soft or light |
| Credit card cash advance | Cash advance fee (often 3–5%) + high APR from day one | Same day at an ATM | Only if you already have the card |
| Online installment loan | Wide range; often triple-digit APR for bad credit | Next business day | Usually yes, often specialty bureaus |
| Payday loan | Often $10–$30 per $100; ~391% APR at $15/$100 for 2 weeks | Same day in store; next day online | Usually specialty bureaus, not FICO |
How to check an online lender is legitimate
- Licensed in your state. Look for state license numbers on the website and confirm them with your state regulator.
- Clear pricing before you sign. Federal law requires lenders to show the APR and finance charge in dollars.
- No upfront fees. Legitimate lenders take fees out of the loan or charge them at repayment, never before.
- Real contact details: a physical address, phone number and complaint process.
- Complaint history. Search the CFPB complaint database and your state attorney general’s site.
If you are on active duty or a dependent, the Military Lending Act caps most consumer loans at a 36% Military APR.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
What lenders are like CashNetUSA?
Other online lenders such as Check ’n Go, Speedy Cash and OppLoans offer similar payday, installment or line-of-credit products in the states where they are licensed.
Is an installment loan better than a payday loan?
It can be easier to repay because payments are spread out, but the total interest can still be high. Compare the total dollar cost of each option.
How do I know if an online lender is legit?
Check its state license, make sure it shows the APR and finance charge before you sign, and never pay an upfront fee.