Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.
About CashNetUSA Reviews
CashNetUSA is an online money lender that offers a variety of different loan options for consumers who need quick access to funds. This is a popular option for people who have below-average credit and may not be approved for a traditional loan from the bank. The amount you qualify for and your repayment terms depend on your loan history and the specific requirements of your state. To qualify for a CashNetUSA loan, you must be 18 years of age or older, have a verifiable source of income, have an active checking account and live in the U.S.
Pros & Cons
- Offers various short-term loans
- Same-business-day funding
- Easy application process
- Cannot take out concurrent loans
- Higher interest rates
CashNetUSA is an online lender. It offers an easy application process, and funds are deposited as soon as the next business day.
Fast and reliable service for a person in need of cash for emergency needs or just extra money until payday. I did my online application and it was very helpful while I filled for...Read full review
I have been a long time customer and have always had a great experience. Even during these hard times they work with me. Great going CashNet USA. I hope to always be a good custom...Read full review
Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.
What is CashNetUSA?
CashNetUSA is an online lender that provides a variety of options for those who need cash quickly. The company works with people with below-average credit scores.
To qualify for a loan from CashNetUSA, you must fill out an application on its website. You’re asked to provide basic information such as your name, phone number, date of birth, address and contact preferences. You will receive an email confirmation right away stating whether your application has been approved.
Most of the time, you will not be required to fax or email any documents unless:
- You are receiving Social Security or disability benefits
- You are self-employed
- You are receiving alimony
If your application is approved before 1:30 p.m. CST Monday through Friday, you will generally receive your funds before the end of the day. If your application is approved anytime after this, your funds arrive the following business day. If your application is approved over the weekend, you receive your money the following Monday.
Terms on CashNetUSA loans vary based on your location. There are no penalties for repaying your loan early, and you may qualify for a refinance, depending on your state of residence.
CashNetUSA offers flexible lines of credit in specific states as well as installment loans. The unsecured installment loans can be paid back in multiple scheduled payments over several months, and there is no penalty for paying off this type of loan early.
Installment loans are longer-term loans typically used for more significant expenses. Loan amounts vary by state but range from $300 to $3,500. Unlike payday advance loans, the repayment schedule for installment loans is spread out over several months.
Interest rates vary based on the amount of money you're borrowing, the loan length and the state requirements regarding payday loans. In Texas, annual percentage rates (APRs) for a two-week loan are around 441%.
Fees also vary by state, so check CashNetUSA’s website to see if its services are available in your state and what its fees are. Be sure to read your contract carefully and ask a representative about additional fees.
Is CashNetUSA a scam?
No. One of the most common signs of a payday loan scam is the requirement to put money down upfront. CashNetUSA does not do this, and it takes your privacy and security very seriously.
Is CashNetUSA a payday loan?
No, CashNetUSA offers open-ended lines of credit and installment loans.
Is CashNetUSA safe?
Yes. CashNetUSA uses a variety of technologies to keep your money and personal information safe and secure.
What time does CashNetUSA deposit funds?
If your application is approved before 1:30 p.m. CST, the loan will generally be funded the same business day. If your application is approved after 1:30 p.m. CST, the loan will generally be funded the next business day.
Where is CashNetUSA located?
CashNetUSA is an online lender.
Does CashNetUSA check credit?
Your credit history will not affect your ability to qualify for a payday loan with CashNetUSA.
Is CashNetUSA legit?
CashNetUSA is a viable option for people who need cash quickly. Since the company’s start in 2004, more than 5 million people have used CashNetUSA to help them manage their finances and get access to money when they need it most.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,309,661 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed Feb. 9, 2023
My experience obtaining a loan with Cash Net USA was simple yet professional. I did not have any problems or concerns and loan was processed in a timely manner. Documents were made available quickly for me to print. Throughout the process, I did not have questions that were not answered.
Reviewed Jan. 15, 2023
Very easy to navigate., to get the help I needed. They never hesitated. Great communication. I would definitely recommend. Payment options are fair and helpful. If I asked for help they were very eager to assist me. Given great information on the processing steps.
Reviewed Aug. 9, 2023
This service provides quick access to cash with a higher interest because it's intended to be short-term not too much unlike a payday loan and it shouldn't be used for long-term or it will be difficult to get paid down due to the interest. But this is exactly what I wanted. Access to Quick Cash for short-term use when I have a paycheck coming and I just can't cover something. It prevents me from getting an NSF fee not being able to pay a bill that comes through and then I can pay it off on payday so I don't end up with high interest to pay. I'm very satisfied with the product. The deduction of one star is only because the interest rate is so high but it's expected for this type of loan.
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed July 30, 2023
I was trying to find a work from home job so I could be here to help my Mom with Dementia & husband with a stroke, the company let go off all 32 of us in the training class with no notice. I have tried to find other but only find scams.. Ya'll have helped in time of need & for that I forever grateful. I'm working at a local grocery store but still trying to locate a work from home job, you would think that 35 years of customer service experience and open availability would help..but no luck so far. Just have to keep the faith. Thanks again for all ya'll do! Please let everyone know they are amazing. Have a great day, Marie
Reviewed July 4, 2023
Very easy process and open and transparent. I really appreciate the option to do it all by online accessibility. Less hassle and quick funds. It was good to be able to peruse the entire contract without someone breathing down your neck. I will definitely share this experience with someone else. I didn’t get an option for the amount and that would have been a good option, too. For example if the max was $1500 there should be an option to take what you’re comfortable without to the $1500. This is always nice and will lend itself to even more customers who aren’t locked into a specific amount and feel they have options when needing to resort to such a loan.
Reviewed March 27, 2023
CashNetUSA is a solid financial lender if you need some money to get you through until payday comes around. For me I've used them when I had an unexpected emergency expense come out of nowhere into my life and that throws my finances off for a week usually. When that happens I network with CashNetUSA and they lend me the amount of money I need to get through the storm until payday come back around. They act quickly to get you the money you need and they have really good, reasonable rates to where you don't feel violated when it is time to repay the debt. I will always do business with CashNetUSA if they stay true to their unshakable business practices. Thanks again CashNetUSA for helping me get through a little unexpected bind.
Reviewed Jan. 6, 2023
CashNetUSA will always be my #1 quick loan company for me. The payment plans give you an actual visual payment and pay off date that helps you plan set goals and budget your finances. When you make a payment, a small portion of that payment goes back into your account and will accumulate. If you get in a bind and need extra cash in a hurry you can access the accumulated funds. CashNetUSA has always worked with me whenever I got in a bind and missed a payment. All customer service representatives that I have spoken to have been kind, courteous and very knowledgeable about their products and services. All my issues have been resolved quickly and respectfully to help put me back on track with my responsibilities to CashNetUSA. I'm one happy, satisfied customer.
Reviewed Sept. 9, 2023
Having access to money when I need it. Same day access when requested. Knowing when a payment is made it can be requested soon after knowing this. I try to make all my payments on time as needed and this also help in building my credit score which makes me happy for the improvement and knowing the money is available. I have made my remarks very clear and look forward to keeping my account up to date.
Reviewed Sept. 7, 2023
Everything about this company is delightful. Had no problems with applying and getting a loan. And hassle free when paying off early. Would recommend. Customer service was most helpful and kind. Have told several friends and will continue to promote the wonderful service I received from beginning to end. Can't say it enough, you all should be very proud of the help you gave me by helping me when I needed the help.
Reviewed Sept. 5, 2023
The process was fast and easy. The website is easy to understand and navigate. I was able to have all of my questions answered on the same day even though it was a Saturday. I received the funds the next business day. Would recommend your service to family and friends.
Reviewed Sept. 3, 2023
My experience with the service was easy. The customer service repeatedly helped me with the hold process. I was very satisfied with everything a customer who would recommend this service to all my friends and family. I can't say enough good things about this service. I was very pleased with the people who helped me.
Reviewed Sept. 2, 2023
I was in need of some emergency funds and Cash Net USA came through for me. I would gladly recommend to anyone. Cash net USA is the best. Thanks for coming through for me and my family. There is no other financial institution that I would trust or go to other than cash net USA.
CashNetUSA Company Information
- Social media:
- Company Name:
- 175 West Jackson, Suite 1000
- Postal Code:
- United States