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CashNetUSA
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CashNetUSA

 4.8/5 (226 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?
  • 3,432,734 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.

8 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.

    3 people found 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.

    2 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 17, 2021

    I’m so happy with the service I received. Effortless on my part mostly and quick and professional experience from CashNetUSA. I have no problem recommending to family members and friends. With economic stress and strains from our economy today, CashNetUSA came as a Blessing for my family and myself. No long drawn out waiting period for approval. My application process was done in less than hour. I had my approval. I hope this rating will encourage others to try this agency. You won't regret it. Truly Thanks???? CashNetUSA.

    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.

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 5, 2021

    Great service. I am very happy with Cash Net! I will refer them to all of my friends. I will share on social media about the great service that was provided to me, yes I will. It was fast, and efficient and I have no complaints.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 13, 2021

    I had an loan before and had paid it down. Had a 700+ credit. Asked for the 700 and was given without any problems. Appreciate the service and the opportunity. I would definitely recommend this service to my friends and family.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 13, 2021

    I love my time with you guys. You guys told me my loan should be here on Monday September 13 and it was. I love the server that I got. I love my service all over. I love the people I deal with. I will deal with people again for sure.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 13, 2021

    Fast. Easy. Reliable. Easy approval. Convenient. I love Cash Net. My brother's electricity was shut off. I wanted to help him get it back on. It was off for 6 weeks. I got the loan and paid 735 $ to get it on.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 13, 2021

    This money was really needed. Have bills to pay and I haven’t been working so some extra cash came and this was right on time. It was easy and fast. The application process was easy and long as you do it before 1pm your money hits the same day which is really a good thing.

    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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