CashNetUSA

CashNetUSA Reviews

CashNetUSA Reviews
4.9(4,234)

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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.

Pros & Cons

Pros
  • Offers various short-term loans
  • Same-business-day funding
  • Easy application process
Cons
  • Cannot take out concurrent loans
  • Higher interest rates

Featured Reviews

Verified
Nashville, TN

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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Verified
So.Pasadena, FL

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 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

If your application is approved before 1:30 p.m. CST Monday through Friday, you will generally receive your funds before the end of the day. If your application is approved anytime 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

Terms on CashNetUSA loans vary based on your location. There are no penalties for repaying your loan early, and you may qualify for a refinance, depending on your state of residence.

CashNetUSA offers flexible lines of credit in specific states as well as 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. In Texas, annual percentage rates (APRs) for a two-week loan are around 441%.

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?

No, CashNetUSA offers open-ended lines of credit and installment loans.

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?

If your application is approved before 1:30 p.m. CST, the loan will generally be funded the same business day. If your application is approved after 1:30 p.m. CST, the loan will generally be funded the next business day.

Where is CashNetUSA located?

CashNetUSA is an online lender.

Does CashNetUSA check credit?

Your credit history will not affect your ability to qualify for a payday loan with CashNetUSA.

Is CashNetUSA legit?

CashNetUSA is a viable option for people who need cash quickly. Since the company’s start in 2004, more than 5 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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Page 1 Reviews 0 - 5
Verified purchase
Customer ServicePunctuality & SpeedStaff

Reviewed Aug. 17, 2023

Never have I had such quick and professional service from a financial institution. Customer service is amazing. There’s no wait to speak to a human and they know how to fix a problem in a matter of minutes, not to mention every person there is pleasant and helpful. CashnetUSA is quick to help those who don’t have perfect credit and they do so with dignity and helpful advice. I would recommend cash net to anyone and I intend to be a customer for a very long time. This company is no nonsense. Very quick to respond and very professional.

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    Verified purchase
    Price

    Reviewed Aug. 9, 2023

    This service provides quick access to cash with a higher interest because it's intended to be short-term not too much unlike a payday loan and it shouldn't be used for long-term or it will be difficult to get paid down due to the interest. But this is exactly what I wanted. Access to Quick Cash for short-term use when I have a paycheck coming and I just can't cover something. It prevents me from getting an NSF fee not being able to pay a bill that comes through and then I can pay it off on payday so I don't end up with high interest to pay. I'm very satisfied with the product. The deduction of one star is only because the interest rate is so high but it's expected for this type of loan.

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    Verified purchase
    Customer ServiceStaff

    Reviewed July 30, 2023

    I was trying to find a work from home job so I could be here to help my Mom with Dementia & husband with a stroke, the company let go off all 32 of us in the training class with no notice. I have tried to find other but only find scams.. Ya'll have helped in time of need & for that I forever grateful. I'm working at a local grocery store but still trying to locate a work from home job, you would think that 35 years of customer service experience and open availability would help..but no luck so far. Just have to keep the faith. Thanks again for all ya'll do! Please let everyone know they are amazing. Have a great day, Marie

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    Verified purchase
    Punctuality & Speed

    Reviewed July 4, 2023

    Very easy process and open and transparent. I really appreciate the option to do it all by online accessibility. Less hassle and quick funds. It was good to be able to peruse the entire contract without someone breathing down your neck. I will definitely share this experience with someone else. I didn’t get an option for the amount and that would have been a good option, too. For example if the max was $1500 there should be an option to take what you’re comfortable without to the $1500. This is always nice and will lend itself to even more customers who aren’t locked into a specific amount and feel they have options when needing to resort to such a loan.

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    Verified purchase
    Staff

    Reviewed July 3, 2023

    Good Afternoon, I’m very happy with the results of my loan. I will recommend. This company to family and friends my co works. Thank you for giving me the opportunity to join your team. I happy with your contribution keep up the excellent efforts on helping people. Words of encouragement and support. I really appreciate you sharing this information. I was most happy this was not a fake news and this news was great because I was hoping this was not a scam. Thank goodness for your support and guidance. Keep this company strong.

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    Price

    Reviewed April 7, 2024

    I literally have a Chime, Sofi, Capital One, Kickoff, Credit Karma, Go2bank and Acorn. ALL in good standing. ALL WITH POSITIVE BALANCES but CashNetUSA will not deposit my loan in ANY OF THEM! I have had some of these accounts for 7 +YEARS. I used these to fix my credit & never had a need to go anywhere else. IT'S HONESTLY probably for the best because of the interest rates anyway.

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    Verified purchase
    Staff

    Reviewed April 4, 2024

    I had a loan through them a year ago and paid it off. I am being told that my account is under review, for a year now, and no one can tell me why. I have tried calling several times only to be told that they can not provide any further information and that management escalation would only give the same results. Apparently there is not a single person within the company that can help me with this matter. Still have no further information and can not get a new loan with them.

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    CashNetUSA
    Response from CashNetUSA
    Pinned

    Hi Andrea Locke,

    We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback. For further assistance, please contact our dedicated CashNetUSA Customer Service team at (888) 801-9075 or via email at support@cashnetusa.com.

    Verified purchase
    Punctuality & Speed

    Reviewed Jan. 20, 2024

    This service is the best! Every transaction is accurate/exact and on time. It has been a life-saver! Requesting additional funds is a simple process - no additional documentation required. I have not experienced any delays in receiving the additional funds. The repayment process has also been very smooth. I highly recommend CashNetUSA.

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    Verified purchase

    Reviewed Jan. 8, 2024

    I love CashNetUSA - it’s incredibly easy to use, the funds are available next day, and the fees are minimal. I’ve had an account for almost 11 years and never had a single problem. I opened the account to help supplement my income during my maternity leave back in 2013. You’ve got a customer for life.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Jan. 6, 2024

    My experience was awesome. My has to have surgery and I traveled to Texas to be with him. I didn't have the funds to make my payment and the customer service representative was apologetic and sympathetic to my situation. He was very helpful and I appreciated it so much. I am sorry I forgot his name.

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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

    Media

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