Overall Satisfaction Rating
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 1,131 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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3126 CashNetUSA Consumer Reviews

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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.

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Rated with 5 stars
Verified Reviewer
Original review: Oct. 25, 2018

I found them to be professional and willing to explain their services. They are true to their word and if you have an issue in which you are not able to make the entire payment they will work a payment plan out with you so you don't feel so overwhelmed. Once approved my money was in my account the next morning. As you continue to pay your loan increase goes up. You can accept or keep things as they are because you know what you can afford to pay. Even if it before your payment is due you can always pay on it to help bring your payment down. They are good to work with and I would recommend them very highly.

12 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 23, 2018

Getting qualified was super fast. Completing the process to funding was not. However, once all documentation needed was submitted, actually getting the funds was lightning quick. The biggest issue was sitting in a holding pattern not knowing what was needed to complete the application. Shortly after applying, I was contacted by customer service. The person I spoke to let me know to check my email. That was it. No further information. I was sent an email to verify bank information, and I completed that step. Then nothing.

It was almost 4 business days later that I reached out to customer service to find out what was happening with my application. The person on the chat service had no information to give other than wait for an email. I almost cancelled my application because it was taking too long. I received an email 10 minutes later telling me what further documentation was needed. Once that happened however, it was less than 24 hours to complete funding. I was blown away at how quickly that occurred. This is an amazing service thus far.

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5 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 13, 2018

After months and months of viewing the TV commercials for, I had no idea that their process to apply for and obtain a quick loan was so simple. It literally took only a few minutes, to complete the application and to be notified of the approval. The most Amazing part of the application process was when I called Customer Service, and spoke with a representative by the name of Nathan, to my knowledge.

He was one of the most professional, caring and accommodating Customer Service Representatives that I have ever dealt with. He offered to remain on the phone with me, while I completed the contract part of the application. I "Thanked" him, anyway, but I called just to ask a few questions about the overall loan process. Believe me, I have had a lot of dealings with Customer Service Representatives, in my adult lifetime. Plus, I personally have a 45+ years professional background in Customer Service and Public Relations. Therefore, I consider myself an expert in the Customer Service-Public Relations Industry. I would and will Highly Recommend this company to anyone needing a quick, friendly and No BS personal loan. They are a pleasure to work with, and epitomize the definition of quick, simple and friendly internet-based loans. Please give them a try, because you won't regret it!

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11 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 26, 2018

I enjoyed the experience of receiving the money the next business day. I taking care of bills the money helped me extremely. Thank you so much for the offer. Being able to pay all my late bills has been a major lift off my shoulders. Knowing that I have a job to pay the money back makes me feel more good about myself as a individual struggling to meet deadlines. I appreciate the services the money. I'm truly grateful to have the money and able to pay bills. I look forward in the future to continue receiving offers that are available for people like myself. When I checked my card this morning I said to myself, "O my the money is on the card!" I immediately begin to pay bills. Thank you again for the loan. I really needed the money.

2 people found this review helpful
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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

They gave great customer service, fast service and the experience was easy to navigate through. I would definitely recommend them to everyone. They made the experience pain free in a time when I need it. The advance was within 24 hours.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 20, 2019

Phyllis was very helpful. I had contacted customer service a couple times with no result, but decided to try one more time. Phyllis got me what I needed and was patient with me while I went through the loan process.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 20, 2019

My experience with CashNetUSA was excellent. They were patient walking me through the application step by step. I would recommend a family or friend to this service and hopefully the services will help me to build my credit back up. Thank you once again...

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 20, 2019

Amazing customer service and quick decision. Funds were expedited quickly. Application process was very user friendly and easy to understand. Wish that payment would have been stated more clearly but other than that amazing. Overall experience could not have gone smoother and will highly recommended.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 19, 2019

Awesome experience. Would recommend to a friend. Quick and easy. Customer service is pleasant and friendly. They take care of you in a very quick manner. CashNet USA makes getting a loan a pleasurable experience and I will definitely use them again in the future. A1 experience.

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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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