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CashNetUSA
CashNetUSA
Overall Satisfaction Rating
4.62/5
  • 5 stars
    979
  • 4 stars
    109
  • 3 stars
    17
  • 2 stars
    5
  • 1 stars
    36
Based on 1,146 ratings submitted in the last yearSHOW RATING DISTRIBUTION

CashNetUSA

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.

CashNetUSA Video
A-BBB Rating
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Last updated: May 16, 2018

1604 CashNetUSA Consumer Reviews and Complaints

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Verified Reviewer
Original review: May 16, 2018

CashNetUSA advertises promo codes to attract business. Its online application asks for a promo code but does not acknowledge discounted finances at time of request and operates under assumption that the discount will be deducted at time of pay date. My account was debited for the full amount and did not include the promo code discount. I called customer service requesting the discount be refunded and was declined and treated rudely. I asked for a supervisor and had to wait twenty minutes until "Henry" came on the line and acknowledged that I was a good customer but he couldn't help me.

Both the agent and Henry spewed excuses including new revelation that I had five days to call after my loan was funded to verify that the discount was added yet nothing was posted as such on the CashNetUSA website or in its emails. Such activity is known as fraudulent advertising because no process is available to check application entries or correct debit payments. I honored my payment but CashNetUSA did not honor its discount. Be wary of these frauds!

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Verified Reviewer
Original review: May 14, 2018

I don’t know how these people get past the government. This is the biggest con job I have ever encountered. I got a loan for 650.00. Payment came due and they took 115.00 out of my account but it didn’t bring the amount owed down only increased. I checked it every day only to find the amount was increasing on a daily basis. I probably owe them over a 1000.00. I contacted Consumer Affairs in my state and was told an investigator was being assigned to investigate. I doubt that this is true. They constantly harass via email because I changed my phone number. Tennessee State Government will not do anything about them ripping people off.

2 people found this review helpful
Verified Reviewer
Original review: May 3, 2018

I have been having issues for weeks on the website with getting error messages on everything I click. I used the chat feature and talked to Samantha, we went over my plan and she was able to extended my payments out for me. I was not able to accept the terms as I was getting error messages and she was kind enough to do it for me. She was extremely helpful! She needs a raise.

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Verified Reviewer Verified Buyer
Original review: April 27, 2018

I have been using CashNetUSA when I needed the emergency money, I was able to get the loan with the discount applied. Given the history, I always applied the discount when I submit a request. However, this one time, I found that the discount was not applied - so I called the customer service and was advised that it would be updated. I did not know if the discount was applied, so I called again and the customer service advised it was being updated. I emailed the day before the loan was due since I did not see the discount applied on it per the reminder email.

Now after speaking with customer service, they advised they could not do anything since it was being processed for repayment. I requested to resolve this issue as I was a frequent customer and always paid on time. The answer was no and they could apply the discount on the NEXT loan. They could not resolve this existing loan - is that how they treat their "loyal customer"? I requested to close the account, they stated they would AFTER they got repayment completed. Wonderful customer service, NOT!

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3 people found this review helpful
Verified Reviewer
Original review: April 26, 2018

This company called me telling me I had a past due loan in collections owed to them, they didn't provide accurate information when I started to question them. I never had a loan with them, and now they are calling me and harassing me and my family and friends stating they will press criminal charges against me.

7 people found this review helpful
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Verified Reviewer
Original review: April 12, 2018

I have been looking for a small loan for a month or so now and when CashNetUSA approved me for 5 times what I had applied for, I was ecstatic because I could also pay off something that was hanging over my head. When I spoke to James or Martin (I talked to both) I was told they didn’t work with my bank!!! The only option was for them to collect $145.00 from me to pay for a MoneyGram. Once they received the money from me, they would send my loan money by MoneyGram. Sounds like a SCAM to me... I’m 65 years old and on Social Security!!! Needless to say, I didn’t get my loan and then I had to block their phone number on my phone as they called incessantly! I then received an email asking me to unblock the phone number! These people have BIG BRASS ONES!!!

7 people found this review helpful
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Verified Reviewer
Original review: April 12, 2018

If CashNetUSA has an application on you over 5 years ago they can't do a new application if you're declined. This is over 5 years ago! This company is not worth my business, they don't deserve anyone's business for that matter. If you apply and get declined then you can not APPLY AGAIN! They literally will not take another application for you ever! They should tell people that! But I hope this review helps people!

9 people found this review helpful
Factual basis uncertain
Verified Reviewer
Original review: April 4, 2018

He offered me 3000 and first I had to receive 1000 and return it back to him then he wanted my customer service password with Wells Fargo. My bank would not provide it because of fraud problems in the past. I have never been through a more disappointing process. I have spent more than 3 days going through this and because I can't go to my brother's funeral or pay off some debt.

8 people found this review helpful
Verified Reviewer
Original review: March 29, 2018

Very helpful Samantha was, courteous and professional. Didn't interrupt and was quick to answer my questions and solve my problems. Not 1 hassle. The chat service this company provides is by far better than most other online companies. Samantha deserves a raise!!

2 people found this review helpful
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Verified Reviewer
Original review: March 29, 2018

CROOKS. I called today to pay an extra 100 toward PRINCIPAL so the interest isn't so bad. My payment ISN'T due for another 9 DAYS. After getting a SALES person within a few seconds of calling, they put me on HOLD 15 minutes, I called back. On HOLD AGAIN for 12 and I hung up AGAIN... (They put you on hold in hopes you hang up and don't pay them)... They told me that I CAN'T choose where my payment goes and if I pay, it will ALL go towards the payment that ISN'T for another 9 days. I said I WANT TO PAY and put it towards PRINCIPAL ONLY and still make my April 6 payment as SCHEDULED. **.

This is the First time in my 41 years ANY COMPANY won't allow early payment toward PRINCIPAL. My car company does, my house company does and EVERY OTHER LOAN I have ever had allowed early payments to go toward Principal. Any lawyers out there find this to be ILLEGAL? Seems ILLEGAL that my EARLY ** PAYMENT can't be put towards MY ** LOAN on Principal. I Will post this NEGATIVE FEEDBACK until they allow me to PAY EARLY. CROOKS. I will PAY THIS OFF IN FULL this paycheck instead of paying my truck payment...better to be late on my vehicle than give these CROOKS my money.

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20 people found this review helpful
Verified Reviewer
Original review: March 27, 2018

Samantha was very knowledgeable in her position and was able to assist thoroughly and save me time... Thanks CashNetUSA. AWESOME AWESOME AWESOME... LOL. THANKS MUCH. Can't complain. Very satisfied. Such an awesome company. Thanks again CashNetUSA.

2 people found this review helpful
Verified Reviewer
Original review: March 21, 2018

Quick and easy! Thank you! The process was simple and convenient, an email sent with my voided check as a jpeg and the process was then completed within seconds. Making a phone call is not always easy so online chat and verification are well worth the minutes it takes rather than sitting on the phone and waiting.

3 people found this review helpful
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Verified Reviewer
Original review: March 16, 2018

CashNetUSA seem to be extremely helpful when I needed help out of a jam for a payday loan. The money was very easy to apply for and get approved for. However when I went to pay it off early oh, I called to get the payoff amount and was told how much it was and I set up a payment for the payoff amount online. Now a month later they have deducted almost the full amount again and when I called them they stated that I hit the refinance button when I made that payment and that I simply made a larger payment and refinanced my entire loan! How can that be! I tried talking with the manager and I got absolutely nowhere. I understand that they have high rates and interest but how I could pay almost $2,500 yes, in two months for an $850 loan I will never understand!!! I am now seeking an attorney! Beware of their practices! This is predatory lending if ever there was!

16 people found this review helpful
Verified Reviewer
Original review: March 14, 2018

I spoke with a rep through live chat about my payment and the rep was very helpful and the problem was solved in a very timely manner, I would definitely recommend CashNetUSA to family and friends. I was set up on a payment plan so I would have no problems with my bank account.

2 people found this review helpful
Verified Reviewer
Original review: March 5, 2018

Samantha was wonderful and very professional! She handled everything for me and made the experience a breeze!! I would recommend everyone who is in need of the services to this company! Thank you all for what you do for us!! Great customer service is rare but your customer service was excellent!!

2 people found this review helpful
Verified Reviewer
Original review: Feb. 26, 2018

I appreciate the helpful staff that CashNetUSA has. While I am looking forward to the day that I don't owe them, it has been helpful to have the line of credit in a pinch. Furthermore, when I have needed assistance, they have been amazing!

2 people found this review helpful
Verified Reviewer
Original review: Feb. 26, 2018

I was in the process of applying for a Flex loan this morning and I was a bit confused about the loan amount and repayment options. I utilized the live chat option and was connected with Tamara. She was very professional and patient. She thoroughly answered all of my questions and waited while I finished the online application and verification. I would like to thank Tamara for all of her help on today. She helped navigate me through this process!

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Verified Reviewer
Original review: Feb. 24, 2018

These people are crooks. You make a payment that is twice as much interest as principal. It is a debt trap. When you talk to them as I did about how you can’t afford it they tell you too bad. Never ever use this company. They are crooks who prey on hardworking people who needed help. I will never use them again.

24 people found this review helpful
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Verified Reviewer
Original review: Feb. 20, 2018

Borrowed from this company was told the payment was x amount monthly but then they start saying twice a month the amount would be taken out. Called. Talked to so many people for so long and got nothing but a run around so called today to pay off the loan doing a loan transfer with Bank of America. Getting all the information from CashNet was like pulling teeth. Had them on one line Bank of America on the other. Bank of America is finding CashNet information before CashNet is giving it to us. Bank of America is awesome. Says no problem. Their money is on the way to CashNet. All this time we are either on hold or bouncing from person to person. Finally we get them to stay on the line and tell them the payoff is on the way and then they say they don't accept loan transfers from the bank.

I call Bank of America and once again they are quick to help stop the transfer and help to transfer funds to my account to pay off the loan. But CashNet isn't done yet. Because of the holiday they can't take the funds to pay off the loan and since the payoff is only good for today the payoff tomorrow will be more and so on and so on. It seems to be a way for them to stall to make more money building on the interest. All I can say is don't trust a thing they say. What they tell you on the phone is not what they will do and you will not get anything to prove otherwise like a contract thru email or regular mail. Please folks. Find another way. If at all possible avoid this company.

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19 people found this review helpful
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Verified Reviewer
Original review: Feb. 15, 2018

They do not give you the interest rate until after they fund the loan. I asked them how much I owed on the loan. They said $934. After I made the payment they changed the amount to an additional $675. I asked, “Are these calls being taped.” They said, “Yes.” I said, “I asked you how much I owe why did you not give me the full amount.” Never use this loan.

21 people found this review helpful
Verified Reviewer
Original review: Feb. 14, 2018

I had the pleasure of chatting with a Mr. ** this morning. He was extremely professional, courteous and expedited my request. I wanted to inform CashNet about Mr. **'s standard of excellence which he applied to our interaction. Thank you, Don.

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Verified Reviewer
Original review: Feb. 13, 2018

I was needing to get cash to help with bills so I decided to give these guys a try since they bugged me with emails all the time stating that I was approved for $2,000. BIG MISTAKE!! The money came into the account easy but payments were never the same. I installed the app so that I could see what the payments were going to be and they would change. I could look Monday and it would say 250 due on the 15th and look again Wednesday and it would state 350 due on the 15th. Once they took money from my account on a day that was not suppose to be a payment day and made my account overdraw. I would call them with the problem and they would finally answer the phone after 30 minutes to tell me of all the paperwork I would have to do and wait 24 to 48 hours for an answer. UGGG I'M DONE WITH Y'ALL CASHNETWORKUSA!!!

21 people found this review helpful
Verified Reviewer
Original review: Feb. 13, 2018

I just wanted to give Tamara recognition. She was so professional and helped me with my stressful questions, and was so quick to get me the answers I needed. She is why I love CashnetUSA! Please make sure she is recognized for Great Customer Service! Thank You.

2 people found this review helpful
Verified Reviewer
Original review: Feb. 12, 2018

Samantha, was amazing and very helpful, she answered every question I had; she help me step by step and answer all the question very clear and with lots of patience... I’m very pleased with the customer service CashNetUSA has and I will definitely recommend you guys to a friend.

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Verified Reviewer
Original review: Feb. 12, 2018

My money paid in full!!! The customer service person forgot to close out the paperwork. So, CashNetUSA took money out of my account... They recognized the mistake but want me to go back and forth to my bank and send paperwork to prove they took money out??? It's been a month, CashNet still want me to get this paper and that paperwork... I'm not the one who made the mistake, CashNet did... The managers that I speak with aren't any help. I'm just done with this high financed company. I finally disputed the money using my bank. MY ADVICE. RUN FROM CASHNET. THEY AIN'T RIGHT!!??

21 people found this review helpful
Verified Reviewer
Original review: Feb. 3, 2018

The loan is crazy, easy to get, and should be a security concern. Basically a name, social and address and boom! Where would you like your money deposited? My first loan with them was an installment loan for $700. I have no issue paying back money. I paid that off. No issue. Next time I got paid. I took another loan not too long after for $500. My hours were cut but I figured everything was all ok because it too should be an installment loan like last time. WRONG! It changed to a Payday advance at their own leisure that needed to be paid next check. So I borrowed a lump of money from a friend to pay the principal and whatever interest was on it. Logged in the day before a payment was due for $84.24 and paid $530 which is what it said was due as a whole.

Now they've taken the $530 from my account along with the $84.24. That was supposed to be included in the $530 lump payment. AND they took the extra payment out from the wrong account, making my account overdrawn. I gave them the right info to change the payment method when I paid an earlier balance. (They basically had me take a picture of a piece of mail to confirm my identity for the new payment method and email it to support... really?!) There's an option online to change it yourself but it won't let you and forces you to call and rely on customer service to change it. When I called to ask about the extra payment taken I was told if I want to include an upcoming payment in a payment I make today, I have to call and let them know I want that included. Ok so question is the extra $84 should be refunded because it's overpaid then. NOPE!

They said they will apply it to more interest which I call BS because there was no extra interest reflected online. (You have to look online and check over the phone to make sure balances actually match.) So they pocketed an extra 84 bucks. Then to top it all off they're demanding another $50 to finish paying the loan. What!? And assured me "once you pay this you'll be all done" several times as I sat in awe over the phone. I'm no dummy to interest and fees, CashNetUSA seems to be pulling numbers out their hooha to make extra bank because I count very well. I have no energy to argue with these people, will pay the extra $50 to total my loan over $700 on a $500 loan and get these folks out my hair. Only use them as an absolute last resort. Like all your family is dead and you have no friends to borrow from kinda last resort. They are unorganized and will drown you in debt.

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15 people found this review helpful
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Verified Reviewer
Original review: Jan. 31, 2018

CashNetUSA is a total rip off!! DO NOT USE THESE GUYS!! In December I looked into getting a loan through them & when I saw that their interest rate was over 200% I decided not to go through with the loan. However, unfortunately somehow the loan still went through & toward the end of December they deposited $600 into my account. I didn’t realize this until January when I received an email from them stating that my payment was due! Right away I contacted them saying that there must have been a mistake & the employee that I talked to acted like I was lying. I then went to my credit union to see if they could help me & of course they did!! After getting a loan through my credit union to pay off CashNet, I contacted CashNet to get a payoff & to pay the loan off in full. I was shocked & when the employee with CashNet told me that within a month’s time my total payoff was now over $800!!

I called for 2 days in a row nonstop to talk to a supervisor to see if they would be willing to work with me & take some of that interest off so I could pay it off with the loan I received from credit union! Not one person was willing to work with me or call me back! I’m now stuck paying the full $800+ back!! They make it impossible for anyone to ever pay back these loans with that much interest or even to be willing to work with their customers! I URGE everyone DO NOT TAKE A LOAN OUT with CashNet no matter how much you need the money… try your local credit union or anything else!! CashNetUSA company are not out to help anyone but themselves!! They will rip you & anyone off no matter the price!! The owners of this company should be ashamed of themselves & I hope that one day our government with get companies like this shut down!!

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20 people found this review helpful
Verified Reviewer
Original review: Jan. 24, 2018

DO NOT borrow from this company. You are only digging yourself a bigger hole. It sounds like an answered prayer but it’s NOT. I borrowed $1,000, average payment $350 a month. After paying $795.90 my balance is still $1044.00!

31 people found this review helpful
Verified Reviewer
Original review: Jan. 17, 2018

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.

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Verified Reviewer
Original review: Jan. 16, 2018

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.

2 people found this review helpful

CashNetUSA expert review by Lauren Fix

CashNetUSA is a payday lender that offers loans to consumers in the United States. It is a part of Enova International, Inc., a publicly-traded company in the financial sector.

  • Informative: Individual states have different laws about how much money you can borrow from a payday lender and how you must repay them. CashNetUSA provides all the relevant information for each state and a clear APR chart on their website.

  • Fast: Most people receive a decision about their application within minutes of applying. Once you’re approved for a loan, CashNetUSA works to get money to you quickly. In most cases, you can have access to money the next business day.

  • Easy application: You can easily apply for a loan online. The application requires basic information and can be filled out quickly.

  • Customer service: Customer service representatives are available to help you during extended business hours during the week and during more limited hours on the weekends. You can reach them by email or phone, or you can live chat with someone on their website.

  • Promos: CashNetUSA offers regular promotions and specials to decrease the cost of their loans. You can get emails with promos once you have an account with the company.

  • Best for: employed consumers who need cash fast.

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Lauren Fix

Auto & Finance Contributing Editor

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Lauren Fix, also called The Car Coach, is an automotive and auto finance expert. Her understanding of vehicles has made her the “go to” person on TV, radio, print media and the Internet. She has authored multiple books and writes a column for several outlets, including Parade Magazine, NewsMax and Car Coach Reports. She is a regular guest on major news and morning shows, discussing the latest updates on cars and car financing that will help drivers make smart decisions when buying, maintaining and financing cars.

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
Phone:
888.801.9075
Website:
www.cashnetusa.com

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