CashNetUSA
AUTHORIZED PARTNER

CashNetUSA

 4.7/5 (178 ratings)
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CashNetUSA

About CashNetUSA

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.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
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  • 1 stars

Pros

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

Cons

  • Cannot take out concurrent loans
  • Higher interest rates

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.

Top CashNetUSA Reviews

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Rated with 5 stars
Verified

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...

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Rated with 5 stars
Verified

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 custom...

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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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How do I know I can trust these reviews about CashNetUSA?
How do I know I can trust these reviews about CashNetUSA?
  • 3,769,791 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 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 11, 2022

When times are tough CashNet comes thru. Thank you very much for helping. I give you one day if that notice and I received money right away. I haven't had a money place to act in such fast service. Thank you again and I will and have sent family and friends your way when they need help. Again thanks again. Monica **. P.s I plan on and will go to your website when I have fallen on bad times.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 29, 2022

    I was approved and got my cash on the same day. Excellent customer service and very friendly and cares. I would recommend CashNetUSA to my family and friends. No questions ask. Hopefully in the near future I will do business with them again. Thank you Cashnetusa for your service and friendly customer service support team!! Make Cashnetusa a part of your life if you need immediate cash with no hassles regardless of your credit. They will approve you no ands, if or buts. They are excellent at what they do. Thank you Cashnetusa for everything!!

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 19, 2021

    I was impressed with application process as well as application (easy and not redundant questions). Your organization has it efficient to the point and fast service just stated in terms and agreement. I would highly recommend your company. I suffered losses last year and part of 2019. Slowly getting it back and with your help going make it possible to purchase car straight out. Thanks to God putting your company in my sights made a positive change in my life!! Thank you.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 15, 2021

    Whitney was awesome. She made me feel very special as a new customer to Cashnet USA. THE application process was fast and efficient. On the pre app phone call she told me what cashNet needed to finalize the application process and 15 minutes later I had my funds in my account. No checks. Just automatic like 30 seconds later I was able to take off a financial emergency so cashnetUSA WHITNEY are number one in Saint Joseph for me and my family. Again I tell everyone what a great place cashnetUSA was to partnership for all your financial needs. Robby

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 6, 2021

    Thanks. Professional and fast. The application process was easy and painless. I got a response and approval in no time at all. This was a breeze. The only thing I can say is that they got my credit score wrong. I emailed them and advised them of my actual score. I would recommend. The interest rate is of course very outrageous but I was getting the loan for a short term so it didn’t matter to me.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 26, 2022

    I contacted live chat 1 time to update my account info since my last application was out of date and I was helped by Mitchell from Chicago IL.. He was incredibly helpful and the entire encounter was very efficient and he resolved it within 20 minutes from start to finish!!!!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 24, 2022

    Very easy process when you do it online. I'd recommend this site to anyone who might need cash quickly. I can look at different money options and different amounts and options to fit my budget and I can discuss different ways of repayment.

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    Rated with 1 star
    Verified Reviewer
    Original review: April 22, 2022

    These people boy I tell you. Will not work with you. At all. They’re built to break you down even further. You better be sure you have the money to pay them back ASAP. No matter how small the draw amount. I mean it’s like financial rape. Please if you have no other option, and I totally get that, be sure that your income is sufficient enough to accept anything from them. Please. I starved myself many days and was nearly kicked out of my apartment a couple of times because of them. It’s not worth it at all honestly. Go with a local payday loan instead. I’m begging you.

    CashNetUSA response

    Hi Yvng,

    We’re sorry to hear that you weren’t satisfied with your repayment terms. To discuss your loan and your options, please contact our dedicated CashNetUSA Customer Service team at (888) 801-9075.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 4, 2022

    I had an unplanned out of state trip and with a used car I didn't want to travel without emergency cash. I like that CashNetUSA's website allows you to enter a loan amount and to see what the approximate repayment terms will be. Having a line of credit to draw on for the unexpected surprises in life is welcomed.

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: April 1, 2022

    I don't understand why I had to to pay 901 when I was told I would only have to pay 198.00. Also what can I do to get my money to back. I am going to go straight off cause of that is see just ** me and my family, is that your goal?

    CashNetUSA response

    Hi Jimmy,

    We’re sorry to hear that you’ve had trouble with your account. For further assistance, please contact our dedicated CashNetUSA Customer Service team at (888) 801-9075.

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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
    Website:
    www.cashnetusa.com

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