CashNetUSA

CashNetUSA

 4.8/5 (135 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

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  • 4 stars
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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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How do I know I can trust these reviews about CashNetUSA?
  • 4,187,669 reviews on ConsumerAffairs are verified.
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Page 1 Reviews 0 - 5
Rated with 5 stars
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.

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    Rated with 5 stars
    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.

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    Rated with 5 stars
    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!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Aug. 11, 2022

    I received a letter in the mail for pre approval of 1500 loan. Once applying I was approved for 1,000 with different payment options. I was able to successfully enter all my personal information necessary to complete the application. It was easy to complete the enter process and apply for my requested amount. The customer service representative I spoke with the following day also explained to me in detail the process, when I should expect the funds and payment options.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 11, 2022

    When times are tough CashNet comes thru. Thank you very much for helping. I give you one day if that notice and I received money right away. I haven't had a money place to act in such fast service. Thank you again and I will and have sent family and friends your way when they need help. Again thanks again. Monica **. P.s I plan on and will go to your website when I have fallen on bad times.

    8 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 24, 2023

    When requesting My withdrawal everything went smoothly and the response was rapid and satisfactory. I would definitely recommend anyone needing Cash to contact Cashnet USA if they need money fast. They are very detailed and makes You feel like you and Your needs are very important.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 20, 2023

    CashNet came through when I was in a tight spot. Easy process and very quick. I would definitely use them again if the need arises. This was my first experience with CashNet. I will be sharing this option with my friends.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 19, 2023

    Staff was very proficient. They helped me in a very expedited manner as I had a unexpected expense. It was a God given blessing in a time of great need. I was very pleased as to the handling of my business

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 18, 2023

    Have had no problems. Any time needing to request funds have got the same day or early the next morning. I get increased a number of times. Have not had any problem with the app. Very user friendly. Not been denied any funds.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 18, 2023

    I was contacted and followed the steps, which were clear and concise. I was given details about my account and the next steps. The process was quick and reliable. I am so excited to be a part of the CashNet family!

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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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