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CashNetUSA

CashNetUSA
Overall Satisfaction Rating 4.58/5
  • 5 stars
    320
  • 4 stars
    32
  • 3 stars
    2
  • 2 stars
    2
  • 1 stars
    29
Based on 385 ratings submitted in the last year

CashNetUSA is an online money lender that offers a variety of different loan options for consumers who need quick access to funds. This is a popular option for people who have below-average credit and may not be approved for a traditional loan from the bank. The amount you qualify for and your repayment terms depend on your loan history and the specific requirements of your state. To qualify for a CashNetUSA loan, you must be 18 years of age or older, have a verifiable source of income, have an active checking account and live in the U.S.

CashNetUSA Video

BOTTOM LINE

CashNetUSA is an online money lender that specializes in payday loans. It offers an easy application process and funds are typically deposited the next business day.

PROS

  • Offers various short-term loans
  • Same-business-day funding
  • Easy application process

CONS

  • Cannot take out concurrent loans
  • Higher interest rates

Top CashNetUSA Reviews We Found

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Rated with 5 stars
Verified Reviewer Verified Buyer

Fast and reliable service for a person in need of cash for emergency needs or just extra money until payday. I did my online application and it was very helpful while I filled for my loan got it done in good time. Thank you CashNetUSA.

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Rated with 5 stars
Verified Reviewer Verified Buyer

I have been a long time customer and have always had a great experience. Even during these hard times they work with me. Great going CashNet USA. I hope to always be a good customer for years to come.

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What is CashNetUSA?

CashNetUSA is an online money lender that provides a variety of options for those who need cash quickly. The company works with people with below-average credit scores.

To qualify for a loan from CashNetUSA, you must fill out an application on its website. You’re asked to provide basic information such as your name, phone number, date of birth, address and contact preferences. You will receive an email confirmation right away stating whether your application has been approved.

Most of the time, you will not be required to fax or email any documents unless:

  • You are receiving Social Security or disability benefits
  • You are self-employed
  • You are receiving alimony
  • You live in Illinois, New Mexico, Nevada or Rhode Island

If your application is approved before 10:30 a.m. CT Monday through Friday, you will receive your funds before the end of the day. If your application is approved any time after this, your funds arrive the following business day. If your application is approved over the weekend, you receive your money the following Monday.

CashNetUSA loans

Term amounts on CashNetUSA loans vary based on your location. However, the lender typically offers loan amounts up to $500 with repayment terms ranging from eight to 31 days.

There are no penalties to repay your loan early, and you may qualify for a loan extension, depending on your state of residence. Extensions may come with an additional fee and must be approved at least two business days before the original due date.

Along with traditional payday loans, CashNetUSA also offers flexible lines of credit in specific states and installment loans. The unsecured installment loans can be paid back in multiple scheduled payments over several months, and there is no penalty for paying off this type of loan early.

Installment loans are longer-term loans typically used for more significant expenses. Loan amounts vary by state but range from $300 to $3,500. Unlike payday advance loans, the repayment schedule for installment loans is spread out over several months.

CashNetUSA rates

Interest rates vary based on the amount of money you're borrowing, the loan length and the state requirements regarding payday loans. For example, loans in Nevada range from 260.71% APR on a 35-day loan to 1140.63% APR on an eight-day loan. In Texas, APRs for a two-week loan are around 664%.

Fees also vary by state, so check CashNetUSA’s website to see if its services are available in your state and what its fees are. Be sure to read your contract carefully and ask a representative about additional fees.

CashNetUSA FAQ

Is CashNetUSA a scam?
No. One of the most common signs of a payday loan scam is the requirement to put money down upfront. CashNetUSA does not do this, and it takes your privacy and security very seriously.
Is CashNetUSA a payday loan?
Yes. CashNetUSA gives customers quick access to funds in between paydays.
Is CashNetUSA safe?
Yes. CashNetUSA uses a variety of technologies to keep your money and personal information safe and secure.
What time does CashNetUSA deposit funds?
It depends on what time your application is approved. Typically, you'll see funds deposited after 10:30 a.m. CT.
Where is CashNetUSA located?
CashNetUSA is located in Nevada, but it lends money in multiple states.
Does CashNetUSA check credit?
No. Your credit history will not impact your ability to qualify for a payday loan with CashNetUSA.

Is CashNetUSA legit?

While payday loans aren’t a long-term solution, CashNetUSA is a viable option for people who need cash quickly. Since its start in 2004, more than 3 million people have used CashNetUSA to help them manage their finances and get access to money when they need it most.

CashNetUSA Reviews

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2 featured reviews
How do I know I can trust these reviews about CashNetUSA?
How do I know I can trust these reviews about CashNetUSA?
  • 2,470,107 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
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.

5 people found this review helpful

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: March 11, 2020

    I am glad there was CashNetUSA to help me when I had no one else to call. I was at the end of resources when my sister told me about CashNetUSA. I applied and was approved within 24 hours. I would recommend CashNetUSA to anyone who needs some emergency money and fast. I am expecting to receive my approval amount by this evening. This was a relief to my stress level because I was worried about if this bill was going to get paid and how was I going to pay it so again I want to thank you CashNetUSA.

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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.

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

    I have never had a great personal loan company like this one before, I would appreciate and absolutely recommend CashNetUSA to my friends and family. Everything went down well and I got my cash just in one business day. This is so incredible. Thank you once again CashNetUSA.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 8, 2020

    Easy to get an advance and the people are very helpful when there is a problem. I have been with Cashnetusa a while now and I’m very pleased with the experience I’ve had with them. I often recommend them to friends and family.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 8, 2020

    I have had a great experience but I still haven't received my loan yet. It clearly states I got a 100.00 dollar cash advance but I haven't received any transactions. Please let me know something today. Thank you. I don't know what else to say but please help me get it figured out.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 8, 2020

    Thank you for your help. I had a wonderful experience. Looking forward to our next visit. Yours truly JONIE **. Thank you again. Don't know what else to say. Have a great day. Good will hunting. I will recommend you.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 7, 2020

    I found everything was very helpful. Requests are always done in a timely manner. Information given was outstanding. Thanks for all you do. Please reconsider my finance charges. I feel I have been with you long enough. I will recommend you to all my friends.

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

    It was easy to do, nothing to it, just a few questions. It was approved very fast. I applied and a couple hours later had the money in my checking account. I didn’t know who to talk to or where to go and I was in a bind. Needed money right away and CashNetUSA helped right away.

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    CashNetUSA Company Information

    Social media:
    Company Name:
    CashNetUSA
    Address:
    175 West Jackson, Suite 1000
    City:
    Chicago
    State/Province:
    IL
    Postal Code:
    60604
    Country:
    United States
    Phone:
    888.801.9075
    Website:
    www.cashnetusa.com