CashNetUSACashNetUSA

Holiday notice

All requests to make changes for loans due on Dec 26 2014 must be received by 3:00 PM CST on Dec 23 2014.
All loans approved on Dec 24 2014 will generally be funded on Dec 26 2014.

Frequently Asked Questions

  • Most popular questions

  • Other

    What if I want to send payment information to your Collections Department?
    For your protection, please do not email or fax any credit card information in to our Collections Department. Please call us at (888)686-9577 if you would like to set up a credit card payment.
    When will I receive my loan?
    Your application can be processed within 30 minutes, once it has been received.** When approved, you will generally receive your loan on the next business day.* We believe in guiding our customers at every step and once you receive the loan, we will help you to schedule you repayment dates so that you won't have to worry about bounced checks or missed deadlines.
    How do I know that my loan has been approved?
    You will receive an email notification once your loan has been approved. CashNetUSA reserves the right to make adjustments to your loan approval based on new information regarding your loan application until the time you receive the funds in your bank account.
    What if I have bad credit?
    Bad credit may not prevent you from receiving a loan at OnlineApplyAdvance.com. Our friendly agents will work with you, even if you have already been turned down by other lenders.
    When will my loan be due?
    Your loan will normally be due on your next payday, if it falls between 8 and 25 days away from the day you apply for your loan. Each state has different rules and regulations. Go to Rates and Terms to see rules specific to your state.
    What if I want to make payments without agreeing to the ACH authorization portion of the loan contract?
    If you would like to make payments without agreeing to the ACH authorization portion of the contract, you can follow the procedures below:
    • Print our loan contract, cross out the ACH authorization agreement, and initial next to the section.
    • Provide us with a post-dated check for the amount of your loan, and a copy of the contract via mail, FedEx, or another delivery service.
    • We will be able to issue your loan once we receive the documentation.
    How much can I borrow?
    The amount of your first loan through OnlineApplyAdvance.com is based upon the information you provide in your membership application, as well as state laws and regulations. If you successfully repay your loan, we may be able to increase your loan amount on any future loans through OnlineApplyAdvance.com. For information on state laws and regulations, go to Rates and Terms.
    Why do I not receive e-mails about my loan?
    • New e-mail filters implemented by Internet Service Providers ("ISP") and other technology service providers to curb SPAM may stop you from receiving important e-mails from OnlineApplyAdvance.com
    • As an OnlineApplyAdvance.com customer, you depend on e-mails from us to answer questions, receive password resets or coupons, etc. However, unless you add us to your address book (or your ISP whitelist), you may have trouble receiving e-mails from us. That's because new SPAM e-mail filters may incorrectly categorize messages from OnlineApplyAdvance.com as "unsolicited" and redirect them to a bulk/junk e-mail folder, or delete them entirely.
    • To ensure you receive important emails from OnlineApplyAdvance.com, please take a moment to add our e-mail address support@onlineapplyadvance.com to your address book or to your SPAM "good" list or "whitelist". Doing so will help identify us as a company you recognize and expect emails from. Doing so also allows our messages to reach you in a quick and timely manner. Below are links to instructions on how to add support@OnlineApplyAdvance.com to your address book.
    • Yahoo Users
    • Gmail Users
    • Hotmail Users
    • AOL Users
    • Comcast Users
  • Payment options

    How much does it cost for me to get a loan? What is the loan fee?
    The loan fee is specific to your state of residence. Click here to see the rules that apply to you. If you have received a coupon, you will receive appropriate discount off the fee. Provide the coupon code when you fill out your loan application. A cash advance is an expensive form of credit. You should also consider the costs and benefits of this and any other short-term credit options you may have. Less expensive credit options may be available, including loans from banks, savings and loans, credit unions, or from family or friends.
    How does payment of my loan by ACH work?
    We obtain repayment of your loan by requesting your bank to send us the amount due (including the loan fee) by ACH transfer. We use a mechanism called single-payment ACH Authorization, which operates just like a paper check. Once we present your bank with your ACH authorization for payment, your bank will send the specified amount to CashNetUSA. If the payment is returned because of insufficient funds, CashNetUSA can and will re-present the ACH Authorization to your bank.
    What if I want to pay early?
    Contact us if you want to pay your loan off early. If you pay off early, you may be entitled to a refund of part of your loan fee.
    When I pay off a loan, how soon can I receive another loan?
    It normally takes 2 business days for your payment to clear to the bank. Once the payment clears, we can issue you another loan. The new loan will fund to your bank account the business day after payment clears. Example: Your due date is Friday. Your full payment comes out on that date. The payment will clear on Tuesday and your new loan will fund to your account on Wednesday.
    What if I can't repay my loan on the due date?
    If you can't repay the full amount of your loan on the due date, you may be able to request a loan extension by logging into your member account. Please see the answer to the question"What if I need to extend my loan?"

    We note, however, that cash advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

    Can I revoke my ACH payment?
    No. The ACH Authorization can only be revoked AFTER we have received payment in full of the amount owed. Because our advances are single payment advances (that is, we advance a sum of money that is to be repaid in a lump sum), we are permitted to require ACH repayment in accordance with the federal Electronic Funds Transfer Act ("EFTA").
    Under The EFTA, a lender cannot require a consumer to repay a loan by means of preauthorized electronic funds transfers as a condition to approving the consumer’s loan. The term “preauthorized electronic funds transfer” is narrowly defined by the EFTA to mean “an electronic funds transfer authorized to recur at substantially regular intervals.” As explained by the Federal Reserve Staff in its official commentary to the EFTA, “Creditors may not require repayment of loans by electronic means on a preauthorized, recurring basis.” 12 C.F.R. 205, Supplement I – Official Staff Commentary, at 10(e) (1) (Loan Payments). As a one-time payment, the repayment of a cash advance through OnlineApplyAdvance.com is not encompassed by the EFTA’s definition of “preauthorized electronic funds transfer,” and is therefore permitted under the EFTA.
    What if I don't have the money in my bank account to satisfy the loan or extension?
    You must contact us immediately to set up payment arrangements. If your debit comes back for any reason from the bank, we will initiate collection procedures immediately and you will be unable to ever receive future loans from us.
  • State specific

    I am a Florida customer and wanted to know what is a cooling off period?
    When FL customers take a loan, state regulations require a cooling-off period of 24 hours before another loan can be issued. The 24-hour period starts from the time when full payment of the previous loan payment clears our bank. This means that, on average, you will be eligible to receive a new loan 5 business days after the due date of your previous loan.
    I am an Illinois customer and wanted to know what is a cooling off period?

    The 'cooling-off' period will be instituted after your loan is paid in full if you have had 2 previous consecutive loans outstanding in the last 45 days. Consecutive loans are separated by 7 or less days. You will not be allowed to contract for a new loan during this period.

    I am a Missouri customer and the due date on my contract is the day before my pay date. When will the funds come out of my account?
    The payment will come out of your bank account on the first business day after your due date.
    I am a Florida customer and the due date on my contract is the day before my pay date. When will the funds come out of my account?
    The payment will come out of your bank account on the first business day after your due date.
    As an Alabama customer, what is the maximum amount I can have out?
    Per state regulations, a customer is limited to a maximum of $500 at a time.
    As an Oklahoma customer, what is the maximum amount I can borrow?
    Per state regulations, a customer is limited to a maximum loan of $500 at a time.
    As an Alabama customer, what is the maximum number of loans I can have outstanding at a time?
    There is no limit on how many loans you can have outstanding, but per state regulations the total amount borrowed cannot exceed $500.
    As an Oklahoma customer, what is the maximum number of loans I can have outstanding at a time?
    Per state regulations, Oklahoma customers can have a maximum of 2 outstanding loans statewide.
    As an Illinois customer, what is the maximum number of loans I can have outstanding at a time?
    Per state regulations, Illinois customers can have a maximum of 2 outstanding loans statewide.
    I am a Washington customer and the due date on my contract is the day before my pay date. When will the funds come out of my account?
    The payment will come out of your bank account on the first business day after your due date.
    I am an Oklahoma customer and the due date on my contract is the day before my pay date. When will the funds come out of my account?
    The payment will come out of your bank account on the first business day after your due date.
  • Updating information

    How do I change my password or reset my password?
    • To update your password, log in to your member account by typing in your email and password. Once there, click on the "change password" link and type in a new password and click the "submit" button to save your new password. You can now access the site with your new password.
    • To reset your password, click on the "Forgot Password" button under the customer login section. On the next page enter your email address and click the "Send email" button. A new password will be delivered to your email address. Once you log in with your new password you will be required to update that password to something familiar to you. You must update your password to continue.
    How do I update my bank information?

    If you have never applied for a loan with us and would like to update your bank information, please contact our Customer Service Team via email at support@onlineapplyadvance.com, phone at 888.686.9563 or by clicking the Live Support button.

    Please make all information changes at least two business days before your loan is due.

    If you have already applied for your loan, you will need to fax in a copy or photo of a voided check or bank statement for the new bank account to 866.766.9890. If you are supplying a photo of your voided check or bank statement, please note that the picture must be in the standard PDF or JPG formats in order for us to access it. Also, please note if you are submitting a voided check, please do not submit Starter Checks, as we do not accept these as valid proof of bank information.

    How do I update my customer profile?
    To update your customer profile, log in to your member account by typing in your e-mail and password. Once you are logged in, click on the corresponding link under "Profile Options" in the "Manage Your Account" section, make the change, and click "Update".

CashNetUSA and third party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CST Mon. – Thu. or by 7pm CST Sun. CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000. Due to state and verification requirements, not all customers may be eligible for instant approval by CashNetUSA or third party lenders. CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA. Some customers may be required to submit additional documentation under state law and CashNetUSA or lender qualification criteria. Please see Rates and Terms to check product availability in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a broker to arrange a loan between you and a third party lender, or (ii) connect you with a financial matching service.

Customer Notice: Cash advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Any references on OnlineApplyAdvance.com website to "we", "us", and "our" refer solely to CashNetUSA.