Many payday lenders approve you for a one-time loan and require you to reapply after paying off each loan. CashNetUSA works differently from those services. It is a direct payday loan lender that approves you for an instant payday loan line of credit. After approval for that line of credit, you can borrow against it whenever you find yourself needing a little extra money between paychecks. This also means that there is no waiting period between loans.