ConsumerAffairs Accredited Brand
CashNetUSA is one of America’s leading licensed online lenders and a top choice for consumers looking to handle financial emergencies. CashNetUSA offers three types of products in over 30 states: payday loans, installment loans and lines of credit. Since 2004, CashNetUSA has been trusted by more than 3 million hardworking people.
Why Customers Choose CashNetUSA:
- Apply online 24/7 — anytime, anywhere
- Instant decision — receive an immediate funding decision*
- Fast funding — Cash by the next business day**
- Quick & reliable online application — without affecting your traditional credit score***
- No hidden fees or paperwork — all terms and payment details are clearly laid out before your sign
- Dedicated U.S.-based customer service — available 7 days a week
*Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans will be eligible for instant approval by CashNetUSA or third-party lenders.
**CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day, if approved, by 6 p.m. CT Monday to Thursday, and Sunday.
**Your FICO or Vantage scores are not affected by applying.
I was a very nervous and had several questions about how this all works. Justina patiently answered my questions, she put me at ease by her kind and professional manner. She is a real gem! I really appreciate CashNetUSA's help in my time of need.
Michaela was perfect! She answered all my questions and got me approved for a loan! I will tell my friends and family! I was very pleased with my fast and friendly service! I will come back if I ever need another emergency loan! Thank you!
CashNetUSA has excellent customer service. I enjoyed my experience. The calls are answered expediently as well as the chat sessions. The loan process is quick and as I stated the excellent customer service helps to speed up the process. Thanks.
Sometimes surprise expenses come up and there is no way to cover them easily - this is a very easy way to get a quick advance. I nearly always pay it off on the first repay - which means it is more affordable.
I've been using CashNetUSA for a while now and they have been really helpful, they work with you and the company is just amazing! I have been pretty satisfied with CashNetUSA. They have provided me with a wonderful experience. I enjoy what CashNetUSA can do for me. I enjoy the company and the employees that work there. Overall the whole company is just amazing and wonderful. So simple to use.
Samantha made my loan payment arrangements for me so I could understand how they were coming out. That way I do not overdraft my account. I really do thank you all for helping me with my loan. Look forward to doing business with you again. Thank you.
I had to use your chat services today and was greatly helped by Samantha. She was wonderful and I appreciate her help. I think she is a great person and she helped me solve my problem with kindness and respect. I hope all of your employees that work on your chat services are as good as she is. This makes it easy for your customers. I hope if I have to use chat again I get Samantha next time as well.
Needed info on due date. Customer service was very helpful and explained everything so to understand what my options were and how to proceed. Would definitely use live chat again in the future and would recommend any who has a money situation to use CashNet.
Agent was very helpful with my request and was able to do what I asked right away. Was very friendly and assisted me in a timely manner. Each time I have used CashNet they have been very friendly and helpful. I would recommend them to others over other companies I have dealt with.
Don was the representative that was helping. I was not understanding the payment arrangement, and he took the time to thoroughly explain everything from top to bottom. His customer service was superb. He walked me through everything and was sufficient!
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I wish I never applied for this loan. Very high interest rates and when you pay early it seems like you're never getting the balance down. Such a rip off... This is a way to keep us in debt. I just made a early payment. It's still over a thousand. It's like they are charging 120 a day. Never again. I repeat never again... Very disappointed.
Samantha was great in helping me with my questions about my loan. She took care of everything on her end and I just signed the paperwork. Great lady!! Great service!! I would be happy to receive another loan from you guys!!
Mary made the process easy and hassle free. I truly appreciate her help! I was very stressed about my payment date and she was able to give me a few more days to pay. This took a lot of stress off my shoulders. For a person going through tough times this is such a relief.
Customer service rep Samantha was very nice and kind. I did a chat with her as I was having difficulty getting someone on the phone and she took her time to explain the process to me. She also updated my account and provided me with informative information. Was very satisfied with the chat and Samantha's customer service skills.
Don assisted me in chat with moving my due date for an upcoming payment. My work has changed my pay date, and I only have 1 check stub that reflects my new payday, and I'm not going to have the funds for my payment that was due in 2 days. He assured me he could move that payment out 1 week as a courtesy and to give me time to send in 2 paystubs with the correct pay dates on them. This put my mind at ease to know I wasn't going to have a negative payment in 2 days!
Chat agent "Don" was very efficient more so than women agents. Handled in an timely manner and was knowledgeable. Chat is faster than telephone... You wait forever on the phone for an agent. Thank you.
I applied for a loan with CashNetUSA and my experience was very excellent. And my communication with CashNetUSA personnel was superb and their assistance in regards to my loan was treated promptly and professionally. I highly recommend CashNetUSA to everyone who is in need of extra financial assistance. You will be content with their ability to make your experience a positive one. Thank you CashNetUSA.
So good to work with, prompt and professional. I have used CashNetUSA for over 12 years randomly as I have needed assistance living paycheck to paycheck. I have been a single mom and have unexpected finance situations to adapt and overcome at many different phases in my life.
Mary is very helpful to give and do the solution on my problem. I needed to adjust my payment date due because my payday falls on a weekend so I am not sure if my paycheck will be debited early than expected. I asked at the same time Mary suggested to do adjustment.
Ms. Samantha was awesome and professional. I'm sure she is a valuable asset to your company. I'd like her to assist every time if need assistance in the future. I'm glad I found you guys or you all found me. It has only been a few weeks ago since I initially submitted my first request but the experience has been great.
I had wanted to previously defer a payment but was unable to get ahold of anyone before Christmas. Today I needed to defer a payment because of the Holidays and my whole family having the flu and Mary was great help. Quick, easy, and to the point. Thanks so much!
Resolved debt consolidation rapidly at affordable rates, removed fear, honors, compassionate, Professional. I'm very blessed they were able to help me purchase a computer for furthering my Education. Excellent services.
I had recently called up Cashnet USA to make a payment and reborrow the money because I hadn't earned quite enough to pay it off. In order to reborrow the money quickly, I had been told that I can make a payment early by debit to be able to borrow the next day. I verified with the customer service rep that this was policy and they assured me they were performing the process correctly as they were doing it. I find out the next day that they had just let the regular charge go through which requires two business days to clear, which is made worse because of the bank holiday over New Year's, the funds will not go through for nearly a week when I needed the money today.
I am by far more offended that through either incompetence, indifference, or malice, they replied to me and failed to perform her job as she was told, and when I called them out on it, there was no effort made to remedy the situation. This company is rigid and makes no effort to fix their own mistakes. Only work with them if you are willing to pay for those mistakes in time, cash, pain, or all three (as in my case).
Samatha was a great help to me today. I have always had great help from CashNet. I paid off another loan and applied for a new one. She walked me through the steps and stayed online with me the entire time. I would recommend to anyone who needs some help.
I chatted in today to get assistance with applying for a loan extension. I am so happy Samantha was there to help! She provided to me all the options I had available. She also noticed I had some additional options. She ensured I would have all my questions answered in one chat and volunteered to stay with me while I reviewed my email and signed the necessary documents! This is what I consider exceptional customer service. She helped me in any way she could. She's the best! Thank you Samantha and CashNet USA!
I was helped by Mary with difficulties I have making my upcoming payment. She was able to assist me with a payment plan and answered all questions I had concerning the plan. Mary explained all the details of the payment plan in terms that made it easy to understand and I felt a sense of her really caring about my situation.
Mary helped with my adjustment to my payment due date that was schedule for the Dec 29th to Jan 16th. She was quick and efficient! CashNetUSA has really been there when I need them. I would recommend to any family members or friends. Thank you for all your help through the years!
Always extremely helpful and flexible when figuring out repayment options. I took out a loan and after was let go from my job after it was funded. You guys have allowed me to change the due date and go on an additional payment plan after changing it.
I needed assistance in moving my payment due date forward by two days because I would be out of town and unable to manage my bank account and my chat agent was quick and efficient in doing so. She made it easy and worry free for me. Always pleased with CashNetUSA.
My chat Rep. Mary was excellent in solving my question for a loan extension. She resolved my issue quick and fast. It's nice to have people you who know their job and the business behind the scene. Thanks again to Mary.
Successfully satisfied my extended loan due date. Due to the Holiday my pay date on my job was pushed back a day and CashNetUSA accommodated the extension for the date of my pay with no extra fees. They've worked with me to assure no overdraft fees on my bank account. Thanks CashNetUSA.
This is a rip off 299% interest. You never get it paid off. I paid extra on my account and they didn't apply the complete amount. Please don't get caught up in this!!! You pay 300 dollars. 91 goes to payment. The rest they pocket.
Everything was precise and quick... Thanks for being sensitive to the holidays and pay... This extension is appreciated... I won't be delinquent in my status because you guys are working to make this experience as great as possible... Thank you again.
Mary was great to deal with on chat. The wait times on the phone is outrageous but the online chat was quick and easy. I have had no problems with any representative of CNU. I will most definitely continue to use them. I would recommend this to anyone that asks me about it.
I was trying to do an extension on my account and was having some issue. I went to the Chat button and I received Mary... she was very kind, helpful and patient. I would have any of my friends go through Mary and CashNetUSA for their quick help in getting some extra money in their pocket. The process has been very easy and helpful. Thank you Mary!!!