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CashNetUSA
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CashNetUSA

 4.8/5 (238 ratings)
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CashNetUSA

About CashNetUSA

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.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Offers various short-term loans
  • Same-business-day funding
  • Easy application process

Cons

  • Cannot take out concurrent loans
  • Higher interest rates

Bottom Line

CashNetUSA is an online money lender that specializes in payday loans. It offers an easy application process and funds are typically deposited the next business day.

Top CashNetUSA Reviews

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Rated with 5 stars
Verified

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...

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Rated with 5 stars
Verified

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...

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What is CashNetUSA?

CashNetUSA is an online money 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
  • You live in Illinois, New Mexico, Nevada or Rhode Island

If your application is approved before 10:30 a.m. CT Monday through Friday, you will receive your funds before the end of the day. If your application is approved any time after this, your funds arrive the following business day. If your application is approved over the weekend, you receive your money the following Monday.

CashNetUSA loans

Term amounts on CashNetUSA loans vary based on your location. However, the lender typically offers loan amounts up to $500 with repayment terms ranging from eight to 31 days.

There are no penalties to repay your loan early, and you may qualify for a loan extension, depending on your state of residence. Extensions may come with an additional fee and must be approved at least two business days before the original due date.

Along with traditional payday loans, CashNetUSA also offers flexible lines of credit in specific states and 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.

CashNetUSA rates

Interest rates vary based on the amount of money you're borrowing, the loan length and the state requirements regarding payday loans. For example, loans in Nevada range from 260.71% APR on a 35-day loan to 1140.63% APR on an eight-day loan. In Texas, APRs for a two-week loan are around 664%.

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.

CashNetUSA FAQ

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?
Yes. CashNetUSA gives customers quick access to funds in between paydays.
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?
It depends on what time your application is approved. Typically, you'll see funds deposited after 10:30 a.m. CT.
Where is CashNetUSA located?
CashNetUSA is located in Nevada, but it lends money in multiple states.
Does CashNetUSA check credit?
No. Your credit history will not impact your ability to qualify for a payday loan with CashNetUSA.

Is CashNetUSA legit?

While payday loans aren’t a long-term solution, CashNetUSA is a viable option for people who need cash quickly. Since its start in 2004, more than 3 million people have used CashNetUSA to help them manage their finances and get access to money when they need it most.

CashNetUSA Reviews

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2 featured reviews
How do I know I can trust these reviews about CashNetUSA?
How do I know I can trust these reviews about CashNetUSA?
  • 3,305,196 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.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 24, 2021

My experience with CashNet USA was very professional. I rate you guys EXCELLENT SERVICE???? Would recommend a friend, spouse, coworkers, and family to call you guys and give you a try. The process was not long after I submitted all of my information. They went over it. They emailed to confirm the information that was provided. The next email I received was that I was approved for the loan. Thank You. You don’t realize how much I appreciate that. I was able to get to the hospital to see my father. He was coded this morning at 4:00am. He’s now in Cardiac ICU and on the ventilator; but you all made it possible for me to get there to see him. For that I’m very grateful for you CashNet USA.

2 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 3, 2021

    I was given a loan when it was most needed. The staff was very friendly and knowledgeable as well as sensitive to my needs. Thank you so very much. I would recommend them to all my friends and family. I accidentally stumbled on your company while searching for a well known company to deal with and would approve me for a loan with affordable monthly notes. I am very pleased to be a part of the CashNetUSA family. Again thank you for approving my loan and renewing my line of credit loan.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 18, 2021

    Im very grateful for your services and taking a chance with me as a new member. Thank you all very much from the one who directed me to your site to the one who processed my application. And a very special thankyou to the one who gave the go ahead on lending me money when I needed most and the bank I been with for 12 years wouldn't lend me a penny even in a pandemic even when I get direct deposit and they could easily get it back however. Thank you CashNetUSA. I will be returning your money plus interest very soon. God Bless.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 20, 2020

    CashNet has been a lifesaver on plenty occasions so far. No doubt that it is expensive if you are in need of large amounts of money. But if you are in need of money for the small items in life, this is a great option. And I recommend CashNet to everyone who is in a bind. It only takes a couple of minutes to fill out the application, and then you will have the money you requested tomorrow. The best thing about CashNet is that if you need a little more money you can request a draw from your balance at anytime. As long as you have not used the entire amount approved for, it won't let you get less than $50 though. After your payment has gone through, and you need groceries, request a draw. Even if you don't need the money it's nice knowing that it's there for you when you do. Open up your CashNet account today, see what happens. You might just be the next person giving a review.

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 14, 2020

    I was looking through my email and one was worded in such a manner that I felt there was even a boat ride possible to the Shores of Brittany. A glittering song on the waves danced in my mind, or perhaps it was the sense of my time redeemed and the promise and hope of fulfillment if I connect with this two great objectives as possibilities, and then two more become a great reality scape and then so many more including the eustress displacing the distress. This is what happened when I filled in a few numbers, a few letters, all in order, read the details of its concourses, was met again and again with a wondrous live advisor when needed, then, total fulfillment, just as guided by God from the beginning. I thank God, Jesus, and the Holy Spirit for you, and how your process worked like a gentle river. Thank you and God bless you.

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 26, 2021

    My experience with customer service was fantastic. They were very helpful and polite. My agreement payments are affordable and the money was in my account when specified... And so I'm happy to be able to pay some bills....Thank you very much..I will recommend this app to family and friends...

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 25, 2021

    Fast and easy. Very helpful. They really saved me from be stuck in a situation my insurance company should have helped me with. Once I pay this loan off I know where to go in case of an emergency without question.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 22, 2021

    I like the service. Service was very Fast. Deposit was easy. Can I repay in 2 payments. Please let me know if I can refer others. Is there a referral program. The process worked very well for me. Today is a good day. Just trying to leave you some 5 stars.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 21, 2021

    Just like the commercials very quick and money deposited the same day. Would definitely recommend to a friend. Thanks Cash Net USA!!! Wasn’t hard to get approved. Just need a active checking account and income. No hassles or phone calls. Very legit.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 20, 2021

    They were there to help me out of a bind. Thanks so much for helping me out. I needed help until my next payday with an unexpected expense. The application was simple and fast. Again, thank you for helping me out. I am most grateful.

    Be the first one to find this review helpful
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    CashNetUSA Company Information

    Social media:
    Company Name:
    CashNetUSA
    Address:
    175 West Jackson, Suite 1000
    City:
    Chicago
    State/Province:
    IL
    Postal Code:
    60604
    Country:
    United States
    Website:
    www.cashnetusa.com

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