Overall Satisfaction Rating
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Based on 809 ratings submitted in the last year


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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CashNetUSA Reviews

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 9, 2019

This process was fast and easy. What I really appreciated was that there was no additional e-mails trying to get you to another website. When they said I had the loan I had the loan and no playing around. They quickly deposited the money into my account the same day, since I had applied early in the morning. This site is legitimate. Don't waste your time with other sites is on is Real. I wish to thank Cash Net USA for being one reputable site. You are timely, efficient and definitely not a scam. Thank you from Staunton, VA.

2 people found this review helpful
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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 7, 2019

I was honestly apprehensive about using CashNetUSA for my loan because I always assumed they were a payday loan place. But the rep that helped me explained very clearly that I was not getting a payday loan but a line of credit that I could pay off over time and even early if I wanted with no penalty. I was very appreciative of how helpful and friendly the rep was in walking me through everything I needed to do over the phone. I got my money the next day! It was a great experience and have honestly already suggested CahNetUSA to my friends and coworkers if they need a loan.

5 people found this review helpful
Rated with 4 stars
Verified Reviewer
Original review: Sept. 5, 2019

This site is very easy to read and quick to process your loan request. The only thing I've had trouble with is placing a promo code in. It's accept the promo but won't let me complete the application once the promo code has been enter. Instead a message appears saying "cannot complete application". However, I can complete the application if I take off the promo. I think this needs to be fixed. Because I have had two promo... one for 50% off and the other for 25% off offer expires 2020... Rather than that this company is great and gives a reasonable amount to be approved for your loan. I even like the fact that if I cannot pay back in two weeks they can extend for another two weeks for the fee amount up to 4 times.

4 people found this review helpful
Rated with 5 stars
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Verified Reviewer Verified Buyer
Original review: July 31, 2019

I’ve never used the services offered by CashNetUSA before - never needed to. Then, as happens to millions of Americans everyday, I found myself in an untenable situation. I knew my roommate had used CashNetUSA before, and he referred me to them. I applied online through their extremely user friendly website and was quickly approved! I’ve used them a few more additional times and had excellent experiences each time. Their customer care folks, when I’ve needed to be in touch, have all not only been professional, but kind and warmly welcoming, as well. I can’t recommend CashNetUSA enough. Thank you.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 15, 2019

I’m a single mom who came from the country to the big city to help out my daughter and her husband while she waits for a heart/lung transplant. Long story short, a trip to the emergency room led to a diagnosis of colon cancer for my daughter. After a month in the hospital, we are home with a future of a lot of trips to the cancer center and the family car just won’t hold up without some much needed attention. CashNetUSA made that possible with no extra stress. Just BAM, "Here’s your loan!" Thank you so much for the hand up.❤️

2 people found this review helpful
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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 16, 2019

The entire process from applying to approval then funding and cash deposited, was smooth, professional. I was emailed each step of the way with progress.

Obviously when one is desperate, they're there for you. Just don't make it a habit.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 14, 2019

That service was awesome and the money that was needed arrived sooner than expected and saved my utilities. I don't know what I would have done without the money. I recommend anyone in need to go to CashNet USA. It's a lifesaver.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 14, 2019

The process was very easy, and all the customer service reps were very helpful in assisting me with the loan process. The loan rep walked me thru the ENTIRE process via online, and made me feel very comfortable with applying. I will be dealing with for a while to come.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 14, 2019

The ladies who help me at 2 different times was very thorough and gave me all the information I needed to make a decision to do this or not.. I am happy to accept this loan to help me during a rough time. I'm 65 yrs old.. This was a blessing.. Thank you.. Ms. Laura

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Nov. 13, 2019

Accurate and timely, explanatory and easy to do. Only problem was that I used my roommate's phone number and after I had the a good experience, she tried to get a payday loan too and was denied, even though we have similar loan history & she even makes a little more money than I do???

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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.

Profile picture of Lauren Fix
Lauren Fix Auto & Finance Contributing Editor

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:
175 West Jackson, Suite 1000
Postal Code:
United States
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