CashNetUSAConsumerAffairs 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.
I had run into a setback and couldn’t make a full payment but I talked to Samantha and she helped make a payment plan that really helped and she was really nice! I will always recommend CashNetUSA. The service is always great!
Needed info on due date. Customer service was very helpful and explained everything so to understand what my options were and how to proceed. Would definitely use live chat again in the future and would recommend any who has a money situation to use CashNet.
Don was the representative that was helping. I was not understanding the payment arrangement, and he took the time to thoroughly explain everything from top to bottom. His customer service was superb. He walked me through everything and was sufficient!
So good to work with, prompt and professional. I have used CashNetUSA for over 12 years randomly as I have needed assistance living paycheck to paycheck. I have been a single mom and have unexpected finance situations to adapt and overcome at many different phases in my life.
Resolved debt consolidation rapidly at affordable rates, removed fear, honors, compassionate, Professional. I'm very blessed they were able to help me purchase a computer for furthering my Education. Excellent services.
I spoke with a rep through live chat about my payment and the rep was very helpful and the problem was solved in a very timely manner, I would definitely recommend CashNetUSA to family and friends. I was set up on a payment plan so I would have no problems with my bank account.
Samantha was wonderful and very professional! She handled everything for me and made the experience a breeze!! I would recommend everyone who is in need of the services to this company! Thank you all for what you do for us!! Great customer service is rare but your customer service was excellent!!
I appreciate the helpful staff that CashNetUSA has. While I am looking forward to the day that I don't owe them, it has been helpful to have the line of credit in a pinch. Furthermore, when I have needed assistance, they have been amazing!
I was in the process of applying for a Flex loan this morning and I was a bit confused about the loan amount and repayment options. I utilized the live chat option and was connected with Tamara. She was very professional and patient. She thoroughly answered all of my questions and waited while I finished the online application and verification. I would like to thank Tamara for all of her help on today. She helped navigate me through this process!
These people are crooks. You make a payment that is twice as much interest as principal. It is a debt trap. When you talk to them as I did about how you can’t afford it they tell you too bad. Never ever use this company. They are crooks who prey on hardworking people who needed help. I will never use them again.
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Borrowed from this company was told the payment was x amount monthly but then they start saying twice a month the amount would be taken out. Called. Talked to so many people for so long and got nothing but a run around so called today to pay off the loan doing a loan transfer with Bank of America. Getting all the information from CashNet was like pulling teeth. Had them on one line Bank of America on the other. Bank of America is finding CashNet information before CashNet is giving it to us. Bank of America is awesome. Says no problem. Their money is on the way to CashNet. All this time we are either on hold or bouncing from person to person. Finally we get them to stay on the line and tell them the payoff is on the way and then they say they don't accept loan transfers from the bank.
I call Bank of America and once again they are quick to help stop the transfer and help to transfer funds to my account to pay off the loan. But CashNet isn't done yet. Because of the holiday they can't take the funds to pay off the loan and since the payoff is only good for today the payoff tomorrow will be more and so on and so on. It seems to be a way for them to stall to make more money building on the interest. All I can say is don't trust a thing they say. What they tell you on the phone is not what they will do and you will not get anything to prove otherwise like a contract thru email or regular mail. Please folks. Find another way. If at all possible avoid this company.
They do not give you the interest rate until after they fund the loan. I asked them how much I owed on the loan. They said $934. After I made the payment they changed the amount to an additional $675. I asked, “Are these calls being taped.” They said, “Yes.” I said, “I asked you how much I owe why did you not give me the full amount.” Never use this loan.
I had the pleasure of chatting with a Mr. ** this morning. He was extremely professional, courteous and expedited my request. I wanted to inform CashNet about Mr. **'s standard of excellence which he applied to our interaction. Thank you, Don.
I was needing to get cash to help with bills so I decided to give these guys a try since they bugged me with emails all the time stating that I was approved for $2,000. BIG MISTAKE!! The money came into the account easy but payments were never the same. I installed the app so that I could see what the payments were going to be and they would change. I could look Monday and it would say 250 due on the 15th and look again Wednesday and it would state 350 due on the 15th. Once they took money from my account on a day that was not suppose to be a payment day and made my account overdraw. I would call them with the problem and they would finally answer the phone after 30 minutes to tell me of all the paperwork I would have to do and wait 24 to 48 hours for an answer. UGGG I'M DONE WITH Y'ALL CASHNETWORKUSA!!!
I just wanted to give Tamara recognition. She was so professional and helped me with my stressful questions, and was so quick to get me the answers I needed. She is why I love CashnetUSA! Please make sure she is recognized for Great Customer Service! Thank You.
Samantha, was amazing and very helpful, she answered every question I had; she help me step by step and answer all the question very clear and with lots of patience... I’m very pleased with the customer service CashNetUSA has and I will definitely recommend you guys to a friend.
My money paid in full!!! The customer service person forgot to close out the paperwork. So, CashNetUSA took money out of my account... They recognized the mistake but want me to go back and forth to my bank and send paperwork to prove they took money out??? It's been a month, CashNet still want me to get this paper and that paperwork... I'm not the one who made the mistake, CashNet did... The managers that I speak with aren't any help. I'm just done with this high financed company. I finally disputed the money using my bank. MY ADVICE. RUN FROM CASHNET. THEY AIN'T RIGHT!!??
The loan is crazy, easy to get, and should be a security concern. Basically a name, social and address and boom! Where would you like your money deposited? My first loan with them was an installment loan for $700. I have no issue paying back money. I paid that off. No issue. Next time I got paid. I took another loan not too long after for $500. My hours were cut but I figured everything was all ok because it too should be an installment loan like last time. WRONG! It changed to a Payday advance at their own leisure that needed to be paid next check. So I borrowed a lump of money from a friend to pay the principal and whatever interest was on it. Logged in the day before a payment was due for $84.24 and paid $530 which is what it said was due as a whole.
Now they've taken the $530 from my account along with the $84.24. That was supposed to be included in the $530 lump payment. AND they took the extra payment out from the wrong account, making my account overdrawn. I gave them the right info to change the payment method when I paid an earlier balance. (They basically had me take a picture of a piece of mail to confirm my identity for the new payment method and email it to support... really?!) There's an option online to change it yourself but it won't let you and forces you to call and rely on customer service to change it. When I called to ask about the extra payment taken I was told if I want to include an upcoming payment in a payment I make today, I have to call and let them know I want that included. Ok so question is the extra $84 should be refunded because it's overpaid then. NOPE!
They said they will apply it to more interest which I call BS because there was no extra interest reflected online. (You have to look online and check over the phone to make sure balances actually match.) So they pocketed an extra 84 bucks. Then to top it all off they're demanding another $50 to finish paying the loan. What!? And assured me "once you pay this you'll be all done" several times as I sat in awe over the phone. I'm no dummy to interest and fees, CashNetUSA seems to be pulling numbers out their hooha to make extra bank because I count very well. I have no energy to argue with these people, will pay the extra $50 to total my loan over $700 on a $500 loan and get these folks out my hair. Only use them as an absolute last resort. Like all your family is dead and you have no friends to borrow from kinda last resort. They are unorganized and will drown you in debt.
CashNetUSA is a total rip off!! DO NOT USE THESE GUYS!! In December I looked into getting a loan through them & when I saw that their interest rate was over 200% I decided not to go through with the loan. However, unfortunately somehow the loan still went through & toward the end of December they deposited $600 into my account. I didn’t realize this until January when I received an email from them stating that my payment was due! Right away I contacted them saying that there must have been a mistake & the employee that I talked to acted like I was lying. I then went to my credit union to see if they could help me & of course they did!! After getting a loan through my credit union to pay off CashNet, I contacted CashNet to get a payoff & to pay the loan off in full. I was shocked & when the employee with CashNet told me that within a month’s time my total payoff was now over $800!!
I called for 2 days in a row nonstop to talk to a supervisor to see if they would be willing to work with me & take some of that interest off so I could pay it off with the loan I received from credit union! Not one person was willing to work with me or call me back! I’m now stuck paying the full $800+ back!! They make it impossible for anyone to ever pay back these loans with that much interest or even to be willing to work with their customers! I URGE everyone DO NOT TAKE A LOAN OUT with CashNet no matter how much you need the money… try your local credit union or anything else!! CashNetUSA company are not out to help anyone but themselves!! They will rip you & anyone off no matter the price!! The owners of this company should be ashamed of themselves & I hope that one day our government with get companies like this shut down!!
DO NOT borrow from this company. You are only digging yourself a bigger hole. It sounds like an answered prayer but it’s NOT. I borrowed $1,000, average payment $350 a month. After paying $795.90 my balance is still $1044.00!
Samantha made my loan payment arrangements for me so I could understand how they were coming out. That way I do not overdraft my account. I really do thank you all for helping me with my loan. Look forward to doing business with you again. Thank you.
I had to use your chat services today and was greatly helped by Samantha. She was wonderful and I appreciate her help. I think she is a great person and she helped me solve my problem with kindness and respect. I hope all of your employees that work on your chat services are as good as she is. This makes it easy for your customers. I hope if I have to use chat again I get Samantha next time as well.
Agent was very helpful with my request and was able to do what I asked right away. Was very friendly and assisted me in a timely manner. Each time I have used CashNet they have been very friendly and helpful. I would recommend them to others over other companies I have dealt with.
I wish I never applied for this loan. Very high interest rates and when you pay early it seems like you're never getting the balance down. Such a rip off... This is a way to keep us in debt. I just made a early payment. It's still over a thousand. It's like they are charging 120 a day. Never again. I repeat never again... Very disappointed.
Samantha was great in helping me with my questions about my loan. She took care of everything on her end and I just signed the paperwork. Great lady!! Great service!! I would be happy to receive another loan from you guys!!
Mary made the process easy and hassle free. I truly appreciate her help! I was very stressed about my payment date and she was able to give me a few more days to pay. This took a lot of stress off my shoulders. For a person going through tough times this is such a relief.
Customer service rep Samantha was very nice and kind. I did a chat with her as I was having difficulty getting someone on the phone and she took her time to explain the process to me. She also updated my account and provided me with informative information. Was very satisfied with the chat and Samantha's customer service skills.
Don assisted me in chat with moving my due date for an upcoming payment. My work has changed my pay date, and I only have 1 check stub that reflects my new payday, and I'm not going to have the funds for my payment that was due in 2 days. He assured me he could move that payment out 1 week as a courtesy and to give me time to send in 2 paystubs with the correct pay dates on them. This put my mind at ease to know I wasn't going to have a negative payment in 2 days!
Chat agent "Don" was very efficient more so than women agents. Handled in an timely manner and was knowledgeable. Chat is faster than telephone... You wait forever on the phone for an agent. Thank you.
I applied for a loan with CashNetUSA and my experience was very excellent. And my communication with CashNetUSA personnel was superb and their assistance in regards to my loan was treated promptly and professionally. I highly recommend CashNetUSA to everyone who is in need of extra financial assistance. You will be content with their ability to make your experience a positive one. Thank you CashNetUSA.
Mary is very helpful to give and do the solution on my problem. I needed to adjust my payment date due because my payday falls on a weekend so I am not sure if my paycheck will be debited early than expected. I asked at the same time Mary suggested to do adjustment.
Ms. Samantha was awesome and professional. I'm sure she is a valuable asset to your company. I'd like her to assist every time if need assistance in the future. I'm glad I found you guys or you all found me. It has only been a few weeks ago since I initially submitted my first request but the experience has been great.
I had wanted to previously defer a payment but was unable to get ahold of anyone before Christmas. Today I needed to defer a payment because of the Holidays and my whole family having the flu and Mary was great help. Quick, easy, and to the point. Thanks so much!
I had recently called up Cashnet USA to make a payment and reborrow the money because I hadn't earned quite enough to pay it off. In order to reborrow the money quickly, I had been told that I can make a payment early by debit to be able to borrow the next day. I verified with the customer service rep that this was policy and they assured me they were performing the process correctly as they were doing it. I find out the next day that they had just let the regular charge go through which requires two business days to clear, which is made worse because of the bank holiday over New Year's, the funds will not go through for nearly a week when I needed the money today.
I am by far more offended that through either incompetence, indifference, or malice, they replied to me and failed to perform her job as she was told, and when I called them out on it, there was no effort made to remedy the situation. This company is rigid and makes no effort to fix their own mistakes. Only work with them if you are willing to pay for those mistakes in time, cash, pain, or all three (as in my case).
Samatha was a great help to me today. I have always had great help from CashNet. I paid off another loan and applied for a new one. She walked me through the steps and stayed online with me the entire time. I would recommend to anyone who needs some help.