Money certainly can't buy happiness (or love, as The Beatles so catchily pointed out), but it sure can solve some problems. When payday is too far away to take care of urgent bills or other expenses, CashNetUSA is there with immediate financial relief. It's simple — apply in minutes, get a decision right away. If approved, cash is delivered via direct deposit on the next business day. Not every loan is approved, but they do accept people with less-than-excellent credit and they give borrowers up to 15 months to pay the balance back.