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Overall Satisfaction Rating 4.64/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 803 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 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!

8 people found this review helpful

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    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.

    4 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.

    13 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.

    7 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.

    2 people found this review helpful
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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 26, 2020

    I appreciated the ease and the speed with which I was able to get the loan approved. Super easy and super fast. Taking additional advances was also easy. Thank you for providing such a good service to us! Thank you, thank you!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 24, 2020

    The online application process was very easy to navigate and I received a quick response. As promised, the funds were in my account the next morning. This whole process was exactly what I needed in an urgent time of need. This is a good financial bridge as long as you only draw what you need and pay it back quickly.

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

    I loved this service and will be letting so many people know about it. This is a life saver! The process was super easy and the funds were deposited literally through next day. Thank you so much for being there for people especially in this time of need.

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

    Loved working with the service personnel. They were very knowledgeable. And my loan went thru very fast. Very courteous and smart. Knew what they were talking about and gave me different options to choose from. Enjoyed my experience.

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

    I asked for a loan of $1,500 which was denied due to credit history. However, the associate indicated that I could receive $1,250. This amount has helped me to catch up on my obligations. The service was excellent and I'm very pleased.

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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.

    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