How It Works


To be eligible for loan approval, simply meet the following criteria:

  • ● Be 18 years of age or older, and be a citizen or permanent resident of the United States
  • ● A consistent source of income for at least the past 90 days
  • ● Income of at least $1,000 per month after taxes
  • ● A valid checking account in your name
  • ● To have a valid email address, a current home phone number (as well as a work phone number, if applicable).


You don't need good credit to receive a loan - your regular source of income is your security. Net Cash Man does not utilize traditional credit bureaus in the same manner employed by other lenders. However, you acknowledge that by completing and submitting the website application that you are applying for a Loan. We verify applicant information through national databases including, but not limited to, Clarity, DataX and Factor Trust, and we may pull your credit in order to determine your eligibility and ability to repay.


Your application is received and instantly sent to a Net Cash Man loan specialist for approval. Most applicants will be contacted within five (5) minutes after submitting their application. If you have already submitted your loan application and would like quicker service, you may contact a Customer Service Representative by phone at 1-(800) 668-9085 and they will be happy to serve you. Please note that all customers will need to speak to a Customer Service Representative during the application process to complete verification; this call must be completed prior to final loan approval. In certain instances, we may require that you supply additional information - such as a copy of your pay stub.