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CashNetUSA Review 2017

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CashNetUSA offers payday loan services via a secure online application, with loans of up to $500 available for qualifying borrowers. Services are available to applicants in a number of states, and rates, terms, and conditions are made available upfront. What do experts and everyday customers say about CashNetUSA’s services? What else else should you know about CashNetUSA before utilizing their services? Find out for yourself!

Table Of Contents

CashNetUSA’s Loan Services

Payday Loans

CashNetUSA’s primary service is payday loans. These are usually short-term, low-dollar amounts that help you fill in the gap until your next paycheck. Some loans can be extended depending on where you live and vary between $100 and $1,500 based on your need and your state’s regulations.

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Line of Credit

You can request a line of credit from CashNetUSA between $200 and $2,000 depending on your creditworthiness and financial need. You can even request a cash advance from your credit line for a flat transaction fee. Lines of credit can be repaid monthly, bi-monthly, or bi-weekly with preset interest fees.

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Installment Loans

CashNetUSA’s primary service is payday loans. These are usually short-term, low-dollar amounts that help you fill in the gap until your next paycheck. Some loans can be extended depending on where you live and vary between $100 and $1,500 based on your need and your state’s regulations.

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Installment Payday Loans

These are an elongated version of CashNetUSA’s traditional payday loans that can be repaid over six months on each payday.

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Credit Availability Loan

This is a medium-term installment loan that can be repaid in installments over five to 10 months.

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Credit Services Organization (CSO) Brokered Payday and Installment Loans

This is a short-term loan provided by one of CashNetUSA’s financial partners that gets repaid on your next payday.

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Flex Loans

This is a flexible loan that gives you more options for repayment as well as spending power. You apply once and can request multiple cash advancements based on the approved credit limit.

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Credit Access Business (CAB) Payday and Installment Loans

This is another short-term loan option provided by a CashNetUSA financial partner. As a CAB, CashNetUSA will try to arrange a loan for you with a third party and then manage the loan once it’s been issued.

See States Where CashNetUSA Offers this Service

CashNetUSA’s Rates and Terms

Here are some of the rates and fees you can expect to pay with CashNetUSA. Exact rates vary depending on your state, loan amount, and repayment schedule.

Payday Loans

Between 86.9 percent and 1,140.6 percent APR, plus $10 to $25 in fees for every $100 borrowed based on your location and the amount borrowed in addition to any other flat fees specific to your state.

Line of Credit

Between 24 percent and 299 APR, plus an additional 15 to 25 percent transaction fee for money withdrawn

Installment Loans

Between 187.3 and 388.9 percent interest

Installment Payday Loans

435.19 percent interest

Credit Availability Loan

Maximum APR of 299 percent

Credit Service Organization (CSO) Brokered Payday Loan

Between 291.96 and 1,171.88 percent APR

Flex Loans

275.85 percent APR

Credit Access Business (CAB) Payday Loan

APR varies based on lender and creditworthiness in addition to 10 percent APR and CAB fees – plus an additional $25 for every $100 borrowed

What You Need To Get a CashNetUSA Loan

Here is a list of the minimum requirements you’ll need to meet to apply for a loan from CashNetUSA. You are not immediately qualified for approval.

  • An active email address

  • An active checking account

  • A driver’s license

  • Be a U.S. citizen or permanent resident

  • Be at least 18 years old (or 21 years old in Mississippi)

The Pros and Cons of CashNetUSA

These are a few of the pros and cons of using CashNetUSA’s services, according to the expert and customer reviews we’ve received.


High-Qualifying Rates

According to expert financial advisors, CashNetUSA has a higher rate of qualifying new customers for its services.

Quality Customer Service

We found that customer reviews rated CashNetUSA’s customer service highly.

Clear Application Process and Straightforward Terms

CashNetUSA’s website clearly defines what it requires of applicants, and each page explains its rates and terms.

Fast Turnaround Times

Financial experts rated CashNetUSA as one of the leading payday loan lenders in the country.

Biggest Supplier of Payday Loans

Financial experts rated CashNetUSA as one of the leading payday loan lenders in the country.


High Interest Rates

We discovered that loans from CashNetUSA range from a low APR of roughly 86 percent to 1,140 percent, which can make repayment difficult.

Services Only Offered in Certain States

Depending on where you live, CashNetUSA may not offer products in your state. Currently, 19 states in the U.S. (in addition to Washington D.C.) are not serviced by CashNetUSA.

Negative Online Customer Reviews

In our analysis of online reviews by former CashNetUSA customers, the company had a one-star average rating on Consumer Affairs.

High Rollover Rates

Many CashNetUSA customers end up paying additional fees to pay their loans on time.

Difficult Repayment

Higher loan amounts can be more difficult to repay given the high APR costs.

The Verdict

The decision to take out a payday loan shouldn’t be made lightly, because it can be a costly expense. However, in your time of need, CashNetUSA is one of the biggest lenders in the country and its approval rates and flexibility mean that (as long as it offers services in your state) you’ll could able to find a solution that can help get you back on your feet. Many reviewers appreciate their customer service, so take them up on it.

The CashNetUSA Scam

In recent years, scammers have targeted consumers by claiming to represent a range of companies that provide short-term loans. CashNetUSA is a primary target of these impersonation attempts – so exercise caution and ask questions of people who try to collect money or make threatening demands for payment on behalf of an organization.

According to a report by the Washington State Department of Financial Institutions, here’s what you need to watch out for via phone or email:

  • Someone claiming they’re collecting on a loan you never requested. If you’ve never taken a loan from CashNetUSA, get off the phone ASAP.

  • Someone threatening a lawsuit if payment is not immediately made.

  • Someone threatening to contact your employer.

  • Someone requesting payment to India via a wire transfer from MoneyGram or Western Union.

Here are some other security tips to keep in mind whenever you’re looking for a loan or communicating with a company representative:

  • Never pay any fee in advance to secure a loan.

  • Never give out personal information if you cannot verify the identity of the person contacting you or the validity of an existing debt.

  • If the caller starts making threats of any kind, hang up the phone immediately.

Frequently Asked Questions About CashNetUSA

  • How long does it take to get my money?

    • Once approved, funds will become available by the next business day. Applications approved from 6 p.m. CST Thursday through Sunday will have funds available on Monday.

  • What if I can’t afford to make my payment?

    • Depending on where you live, you might be able to file for a loan extension. Regardless, if you think you won’t have the funds available to make your payment, you should contact the lender immediately. If a debit is returned unpaid for any reason, it will immediately go into collections.

  • Can I pay my loan back early?

    • You can reach out to CashNetUSA’s customer service team to see what options are available to you. If you repay your loan early, you may be entitled to receive part of your loan fees back.

  • How long do I have to wait to apply for another loan?

    • That varies based on where you live. You can visit CashNetUSA’s site to learn more.

  • How long will it take to apply?

    • If you meet the minimum application requirements, the application process should take about 10 minutes.

  • Do I need a certain credit score to apply?

    • No. A less-than-perfect credit score will not necessarily stop you from qualifying. Even if you’ve been turned down in the past, you may still qualify for loans from CashNetUSA.

Experts Review CashNetUSA

Customers Review CashNetUSA

Average Star Rating for CashNetUSA: /5

How well did CashNetUSA meet your needs overall?

How satisfied are you with CashNetUSA’s fee payment process?

How secure did you feel about giving CashNetUSA your personal information?

How would you rate CashNetUSA’s customer service?

We Analyzed 1,912 Customer Reviews of CashNetUSA on

Word Cloud of Customer Reviews

cashnetusa reviews word cloud

Top 5 Positive Themes of CashNetUSA Customer Reviews

  • Good customer service
  • Good customer chat service online
  • Quick and easy application, approval and deposit
  • Easy to adjust or extend payments
  • Fair rates compared to other payday loan services

Top 5 Negative Themes of CashNetUSA Customer Reviews

  • Interest and fees are too high
  • Bad customer service
  • Loan approval process too slow or confusing. Loans can be denied after processing.
  • Website is not easy to use
  • Had an untrustworthy interaction and/or was victim of scam that uses CashNetUSA's name

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