4.9/5 (225 reviews)

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Overall Rating4.9 out of 5
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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.

Pros & Cons


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


  • Cannot take out concurrent loans
  • Higher interest rates

Bottom Line

CashNetUSA is an online lender. It offers an easy application process, and funds are deposited as soon as the next business day.

Top CashNetUSA Reviews


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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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 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.

CashNetUSA loans

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.

CashNetUSA rates

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.

CashNetUSA Reviews

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Page 1 Reviews 0 - 5
Verified Reviewer Verified Buyer
Original review: May 19, 2023

I just love this loan company. They always get me out of a bind when I need it. I will forever be a client. Thanks so much, Cashnet USA. You Guys are the best! I would highly recommend this company to anyone who is in need of quick cash with low monthly payments. I live on a budget, so when I say inflation has become a toll on trying to keep up with bills and buying groceries, everything else is irrelevant.

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    Verified Reviewer Verified Buyer
    Original review: 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.

    2 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: Jan. 12, 2023

    Application was easy and customer service very helpful with all my questions. It's nice to a have a cushion when things get extremely tight. Living on a fixed income is hard but I manage with CashNet. I requested a small loan and was surprised at the actually amount that I qualified for. I normally only ask for what I need and it's always available the next day. That is because of my account. Not because of Cash Net. Thank you.

    2 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: 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.

    2 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: Nov. 28, 2022

    My credit isn't the best and I applied on Saturday because I've missed a bunch of work the previous month being in the hospital with my sister and my last couple checks weren't great at all and I was drowning in bills and I applied for a loan and I woke up this morning with the money in my account. I am so thankful and I will be sure to pay it back in case I need help again in the future! I've seen the commercials but I never really needed it until now and I couldn't be happier!

    2 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: May 31, 2023

    Quick and easy along with being straight to the point. If you or anyone you know that needs cash fast I would go with this place. Was behind in bills and had no option but to see what's out there and I found it. Thank god that I found this place.

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    Verified Reviewer Verified Buyer
    Original review: May 29, 2023

    Just wish you had a better payment plan. These high payments are hard. I paid it off then had to borrow again and seems I need it every month lately. I am going through cancer treatments and have extra expenses.

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    Verified Reviewer Verified Buyer
    Original review: May 27, 2023

    I want to thank you so so much for treating me like you knew me personally. I was in a bad place and your courtesy and professionalism made me feel worthy of help. You helped me when I had recently been scammed and made me have trust again. THANK YOU SO MUCH!!!

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    Verified Reviewer Verified Buyer
    Original review: May 25, 2023

    I had an unexpected car repair, to which the 3rd party warranty company declined to cover {honor} their policy. CashNet USA helped me get my vehicle repairs covered. There would have been no way for me to get back and forth to work otherwise.

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    Verified Reviewer Verified Buyer
    Original review: May 24, 2023

    I am glad CashNet USA help me in a time of need but my payments are high. I thought it was going be 149.00. Instead it is 237.00 but I will try my best to pay them to the best of my ability so my credit can be better

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    CashNetUSA Company Information

    Social media:
    Company Name:
    175 West Jackson, Suite 1000
    Postal Code:
    United States