An online loan is a loan you apply for on the Internet instead of at a storefront location . You can apply for an online loan from your computer or mobile device, letting you complete the whole process from the comfort of your own home. With an online loan, you’ll never have to stand in line for the funds you need!
What Kinds of Online Loans Does CashNetUSA Offer?
CashNetUSA offers different products in different states, depending on each state’s regulations . If CashNetUSA offers products in your state, you might be able to apply for a payday loan, an installment loan or a line of credit. Head to our Rates & Terms page to check which CashNetUSA products are available in your state, if any. Regardless of the specific product offerings, all of CashNetUSA’s loans are 100% online, meaning that the entire loan process can be completed over the Internet. No trips to a storefront required!
How Do I Apply for an Online Loan?
Before you decide whether to apply or not, you should check CashNetUSA’s Rates & Terms page to see if we offer products in your state and, if so, which you are interested in. Research the details of the loan you’re considering and decide whether it’s right for you.
- Are 18 or older
- Have been employed for at least one month
- Have an active checking account
- Are a U.S. citizen or permanent resident
We’ll also check parts of your credit history through databases like Clarity, but we don't conduct a traditional credit check. Instead, CashNetUSA looks at parts of your financial history and uses our customer underwriting model to determine whether a customer is eligible for a loan. This means that individuals with less-than-perfect credit may be approved for CashNetUSA loans.† It also means that your application might be declined if you have defaulted on past transactions.
Finally, we give you a decision, sometimes instantly**, letting you know if your loan has been approved. If it has, you can sign the contract, authorizing CashNetUSA to withdraw payments from your bank account. Once everything is in order, your money will be deposited in your bank account — sometimes as soon as the next business day !*
As banks and building societies close their doors to all but the least 'risky' borrowers, Dispatches reporter Jane Moore investigates a highly lucrative financial industry that has stepped in to provide loans to the millions of people denied credit elsewhere.
She discovers that many of the loans offered by some of these doorstep operators...
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