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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.

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Last updated: Nov. 16, 2017

1512 CashNetUSA Consumer Reviews and Complaints

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Verified Reviewer
Original review: Nov. 16, 2017

Your chat specialists are angels. Samantha helped me out in a dire time of need, and I am extremely grateful. I had a medical emergency and your team was right there to help me, no questions asked. I could cry. Thank you, thank you, thank you.

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Verified Reviewer
Original review: Nov. 14, 2017

I was a very nervous and had several questions about how this all works. Justina patiently answered my questions, she put me at ease by her kind and professional manner. She is a real gem! I really appreciate CashNetUSA's help in my time of need.

Verified Reviewer
Original review: Nov. 14, 2017

Mary helped me so much today. She answered all of my questions and helped me to set up a new payment schedule when I was having a financial hardship due to medical bills. She was sweet and informative and made me feel like a human. Many times when you're in trouble financially there is a lot of shame/guilt associated with asking for help but she made me feel like a valued customer. She is the reason I will stay with CashNetUSA.

Verified Reviewer
Original review: Nov. 14, 2017

Samantha (I don't know her last name) was extremely sensitive and knowledgeable about my situation. It was done fast and efficiently. I did not feel like I was being pressured or anything. Hopefully if I have any more questions it will be answered like she did! More agents like her please!

Verified Reviewer
Original review: Nov. 12, 2017

Well let me say I am really regret taking money from this company. True they helped me out of a financial bind but the payback on this credit line puts in a worst financial mess than before. I specifically asked the CSR what my payback would be before taking this money. He kind of kept dancing around the question. I borrowed $200.00 and have to make a payment of $100.00 each pay period. If you don't make that much it will through you in a bad financial mess. The way the contract is written makes it sound much different. This month all my bills will be behind and no Thanksgiving dinner due to CashNet... Thanks so much.

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Verified Reviewer
Original review: Nov. 11, 2017

Hello, I personally want to thank CashNetUSA for being there for me when I needed some help during my hard times, you are a very dependable company, and very helpful. Thanks again for the loans. The staff was great, and all the loans showed up on the day they said it would be there. ☺

Verified Reviewer
Original review: Nov. 10, 2017

Michaela was perfect! She answered all my questions and got me approved for a loan! I will tell my friends and family! I was very pleased with my fast and friendly service! I will come back if I ever need another emergency loan! Thank you!

Verified Reviewer
Original review: Nov. 9, 2017

I was applying for a loan but had issues with the promo code. I contacted customer service via live chat and the lady that helped me was very knowledgeable and guided me thru the process. She direct me thru all the steps and solution. Also provided information on the emails I should receive as response on the issue. In general very nice and helpful.

Verified Reviewer
Original review: Nov. 8, 2017

Had a great experience with Michaela, She was very knowledgeable and helped me with exactly what I needed. Thank you! CashNet has always been very professional and the customer service is off the charts! I will always recommend Cash Net to anyone that I see needs a great loaning experience!

Verified Reviewer
Original review: Nov. 8, 2017

Michaela was very helpful. Good job. Thanks. You all are the best in the business. You always handle any small problem that I may have, which has been very few in the past six months. I would always recommend CashNetUSA for payday short term loans.

Verified Reviewer
Original review: Nov. 6, 2017

I did receive quick and courteous service. The representative I spoke with was informative and she answered my questions promptly and efficiently. I hope all the representatives at Cash Net USA are as nice as she was. She told me the time and date to reapply for my new loan. Thank you.

Verified Reviewer
Original review: Oct. 30, 2017

All questions answered - helpful; provided basic information requested; chatted with Michaela; wanted ballpark info on loan info for a family member on number of payments that would be required & approximate amount of payments to ensure payment amount would be feasible - will relay info to family member - Thanks.

Verified Reviewer
Original review: Oct. 30, 2017

I had a wonderful chat with one of the agent of CashNetUSA. It was fast and easy. I had no problem. We did the application less than 15 min. Just like they said fast cash, simple process, Dedicated service. I recommend them. Thank you CashNetUSA.

Verified Reviewer
Original review: Oct. 25, 2017

Mary from customers service, handle my situation with care and professionalism, bringing my loan status to paid off. As always CashNetUSA do a great job in handling my issues and also any of my needs. I would like to say to Mary thank you again for your help, have a great day.

Verified Reviewer
Original review: Oct. 24, 2017

The rep Michaela was excellent, very patient, very informative. Wish all reps could be the same. She is an asset to your company. I had forgot I had an account already and she told me step by step how to update my account and the process. Very very helpful.

Verified Reviewer
Original review: Oct. 23, 2017

I chatted with Mary today and she was so efficient and pleasant! I needed information on how to reapply after I completed a payoff, and she provided the information I needed in a timely manner and was so hospitable as well! Chat conversations can sometimes be very dry, but Mary made the experience very pleasant and took care of all my needs!

Verified Reviewer
Original review: Oct. 23, 2017

Michaela was the greatest. I asked how the rebate program worked and she provided me with info for that as well as a step by step on how to apply and use the promo code on my loan. Very insightful, provided me with all the information I asked for PLUS more! 10 out of 10. Would recommend!

Verified Reviewer
Original review: Oct. 17, 2017

By using the chat feature, I was able to ask a question about my loan status. The representative was very helpful. She answered my question completely and thoroughly. And it all took less than 5 minutes. The representative was very respectful and made sure all my info was correct as well.

Verified Reviewer
Original review: Oct. 17, 2017

The rep I chatted with was very patient and efficient in helping me. I would recommend this company to others. I was assisted from beginning to end on my application and walked through the process. This was the best customer service that I have received in a very long time!

Verified Reviewer
Original review: Oct. 16, 2017

I forget her name, I suck at that, but she was amazing and very helpful. Would rate her 10/10. She took care of my problem very quickly and made sure I knew how to make my payments work with my new work pay dates. Superb service, and very quick and responding.

Verified Reviewer
Original review: Oct. 14, 2017

I applied for a loan with CashNetUSA and was told that I have to pay $200 deposit for the loan. Didn't think twice about it because they have a great review with the BBB. After that I was told that I had to pay an additional $450 to receive my funds. I told them to cancel my loan. They never told me about a cancellation fee and said I should receive my $200 within the next 2 days. Still have not received my money back and it's been 3 weeks. I need that money. If I didn't I wouldn't be so mad. Cashnetusa takes advantage of the working people in making them believe they are approved for a loan when they're not. It's a scam.

Verified Reviewer
Original review: Oct. 9, 2017

I was overly pleased with the service today. I expected a 24 hour or more processing time for what I needed and it was completed before the end of my chat session. This was a very positive and over the top performance by the rep.

Verified Reviewer
Original review: Oct. 4, 2017

Michaela gave excellent customer support and provided information needed. The representative made the change to my state ID expiration date. She also provided me information on changing my pay cycle and amount if I am applying for a loan. Great customer service.

Verified Reviewer
Original review: Oct. 4, 2017

Michaela was extremely helpful and was able to answer all my questions. She was knowledgeable and put some of my concerns to rest. She was able to answer my questions without any trouble. This opportunity just comes at a great time and CashNetUSA is great!

Verified Reviewer
Original review: Oct. 3, 2017

Honestly I've been with CashNet for about 1 1/2yrs. Yes they were there when I needed the funds the most. Guess what? I am still paying them back from the first loan back in 2015. SMDH. Interest rates super high. I recently contacted them about my pay schedule. I notice they were taking out the payments too early. Which wasn't their fault at first. I just needed to update them with my new job information. Which I did. They canceled the payment broke it up over 4 payments. Moving forward they still took out the funds on the wrong day. Now my account is overdrawn. And they tell me it doesn't come in effect until 2-3 check cycles like WTF. I HAVE TO CALL THEM before each payment to get them to stop it and correct the dates. Such a Hassle. My advice to you do not accept a loan from them unless you can pay off on the next check. Interest rate should be illegal.

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Verified Reviewer
Original review: Oct. 3, 2017

After using them several years, now they want to turn it into a scam artist job it seems. The customer service people were rude and had no intention of helping resolve the issue they caused. The issue was payment options only, and it would not had been any different than when we used them before. However due to their customer service we never will again.

Verified Reviewer
Original review: Oct. 2, 2017

I am very pleased with the result of my "chat" with the agent at CashNetUSA. She was very helpful and knowledgeable. I have and will again recommended your company to a friend. And I know they are just as satisfied as I am. Whenever I call I always received courteous and prompt service. Thank you all again.

Verified Reviewer
Original review: Sept. 28, 2017

Michaela the agent helped review my loan app and was able to help with my loan in providing a discount for me on the fees. She was able to assist in finding out if I was eligible for a increase in my loan. I was not eligible but the discount promotional was very helpful. Thanks again Michaela for assisting me in this process.

Verified Reviewer
Original review: Sept. 27, 2017

Great loan company who is very straightforward without featuring numerous sneaky fees. They sent me a promo code for my second payday loan which shrunk my only fee. They understand people who are in a financial pinch - not a fun place to be. Michaela was my lovely online agent today and very helpful with promo code question and last page of application.

Verified Reviewer
Original review: Sept. 26, 2017

Had a need to modify my loan agreement. Very helpful, changes made quickly by very friendly staff. These people are always A1 for service. Have had many loans with them over a couple of years and have always been satisfied and treated well. Love them.

CashNetUSA Company Information

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