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Overall Satisfaction Rating 4.59/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 609 ratings submitted in the last year

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 4 stars
Verified Reviewer Verified Buyer
Original review: April 24, 2020

CashNetUSA was very efficient with application and approval process. Was approved within an hour and received payment in my account by 3 pm that day. My only caution to future applicants is be wary of the repayment process. It’s only been one day and I already owe $10 more than I was loaned. Interest and fees are not outlined very clearly. They state it’s all in the agreement but it’s scattered everywhere throughout making it hard to recognize these terms in the agreement. Overall good experience, however, it’s only been a day. If you know you’ll have the means to pay loan off, I would recommend CashNetUSA.

3 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 6, 2020

    We had a family emergency which caused me to have to take a few days off of work, leaving my last check half of what it normally is and by the time the next pay week came we were scraping pennies just to put gas in the car, I had received some mail from Cash Net USA saying that I was preapproved and decided to apply and see, with my less than perfect credit I was expecting to get denied however I was approved and the funds were in my account the very next day. My repayment options were awesome and are taken directly from my account to ensure timely repayment. I am so thankful to cash net USA for saving me in my time of need!

    11 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 18, 2019

    Received a call this morning from a very nice, friendly, quick to make things better, who did not mind when I had to interact with my laptop, happy rep of CashNet USA, I asked the young lady for her name but did not write it down. I think she was from customer support unit, give her a raise and not just up to the next floor, I mean apply her with a as your name says, A CASH RAISE, this will not only prove your respect for her as having an employee who understand people so well, God has bless you with her as an employee. Carey.

    6 people found this review helpful
    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.

    15 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.

    9 people found this review helpful
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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 21, 2020

    The lady that helped me thru the loan process over the phone was friendly and great and very understanding..I will definitely recommend your service to all of my friends..Through these rough times that we are facing I'm glad you guys are there.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 20, 2020

    I have had a great experience with CashNet USA. You determine your need, and they give you the best payment plan for you. When making on-time payments they will automatically notify you of an increase, and you can choose to accept or decline.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 18, 2020

    I had a very good experience. Customer service was wonderful, they met my needs and listened to me and were very polite in their response. I set up automatic payments and was able to have extensions so I had no late payments and I am applying for another loan.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 17, 2020

    I lost my job from Covid 19. Because I am 62 y.o. I will probably not be able to find another job. I have already paid them $500 in interest and was willing to pay the $2000 I borrowed, but they are insisting on collecting their horrid rates during a global crisis. I deeply regret doing this.,

    CashNetUSA response

    Hi Stuart,

    We are sorry to hear that the pandemic has impacted you and apologize for not meeting your expectations. We are proud to offer many flexible payment options and other forms of support during this time. We are waiving late fees and NSF fees through June 30th, 2020. We are offering payment flexibility and deferred payment options upon request. We’ve created a COVID-19 Customer Support Center with the latest information, financial tips, and government resources to help you during this period of uncertainty, which you can find at Please reach out to the CashNetUSA Customer Service team at (888) 801-9075 to explore our options for you.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 17, 2020

    This loan helped out so much when I couldn't seem to find another option. Helped pay my bills and put gas in my car to be able to help me get through this pandemic. I want to thank you from the bottom of my heart!

    Be the first one to find this review helpful
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    CashNetUSA author review by Lauren Fix

    CashNetUSA is a payday lender that offers loans, savings programs and financial education tools. Apply for a payday loan from CashNetUSA by visiting its website and finding out how much you qualify for.

    • Loan amounts: CashNetUSA’s payday loans go up to $500. It also offers other types of loans for higher amounts.

    • Interest rates: APRs range from 163% to 439%, depending on the loan repayment term.

    • Availability: CashNetUSA has services in 29 states, including Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Wisconsin and Wyoming. However, each state may have restrictions on certain loan products.

    • Funds: CashNetUSA offers same-day and next-day funding.

    by 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