NorthWestern Financial Review


CashNetUSA Overall rating: ★★★☆☆ 3.2 based on 20 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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CashNetUSA is one of US leading licensed online lenders and a popular choice for consumers looking for fast loans to cover unexpected expenses. Since 2004, the company has served more than 3 million customers. Their APRs range from 163% to 439%, depending on the state, loan repayment term, and some other factors.

Company name CashNetUSA
Founded 2004
Address PO Box 206739. Dallas, TX 75320-6739
Phone number 1-888-801-9075


  • Direct lender
  • Established since 2004
  • Variety of offers
  • May qualify with no credit or credit issues
  • Small loan amounts Easy application process
  • Straight-forward pricing and rates
  • CashNetUsa mobile app
  • Loans can be acquired for any purpose
  • No penalties for early payments
  • Instant approval
  • No collateral required
  • Same-day and next-day funding
  • Direct deposit into your bank account
  • Easy withdrawal repayment option
  • Discount program
  • Educational resources
  • Secure site
  • Live chat customer service
  • Eligible in 30 states
  • No confusing paperwork


  • Small loan amounts
  • Not available in all states
  • Checking account required
  • Potencially high interest rates
  • A late payment fee
  • The impact on your FICO credit score
  • Not clear on interest rates as this varies state-by-state
  • Unwanted sales calls/emails

Bottom line

If you’re in a tough situation and need some emergency cash, a payday loan or a line of credit through CashNetUSA could be a good option for you. If you do not need to obtain long-term financing and you’re having bad credit and living in one of the served states, then it’s likely that this company will be able to help. The lender has an established online reputation, however, rates can vary greatly depending on your state. The only way you can find out everything about your loan is to fill out the online application form. It won’t have an impact on your credit score. Keep in mind that it’s important that you weigh all your options before accepting a loan through this lender.

Types of loans

CashNetUSA offers 3 types of loans depending on where you live, including payday loans, installment loans and lines of credit. Loan amounts vary by state but payday loan amounts generally range between $100 and $500, while installment loans and lines of credit range between $100 and $3.000.

Loan requirements

In order to apply for a CashNetUSA loan, you are required to:

  1. be a U.S. citizen or permanent resident;
  2. be at least 18 years of age (19 in some states);
  3. have an open checking account through a bank;
  4. have proof of employment and have been employed for at least a month.

To be approved for a loan, you are not required to have good credit or any credit at all since the lender doesn’t require a credit check.

Category: Online Loans

Tags: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming

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CashNetUSA Reviews

I received an email from this company today and realized I haven't done business with them for almost 10 years. When reaching support, they refuse to delete my data but did say I could delete my account. Given the amount of data breaches and lawsuits, I would never have provided this information if that were known 10ish years ago. Granted, using this got me out of a bind, but these days, just go to REDDIT and take out a low interest loan from a willing person instead.
- Refuses to remove account

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- Santos

Cashnetusa is an example of what is wrong with America - Corporate GREED. For a $1000 loan that I took out in December, they have charged me over $700 in fees and interest. I have made three payments of over $250 since December 2020 and not one cent went towards my balance. I still owe $1008. This virus and pandemic has crushed many people’s lives. I am no different. Yet corporations like Cashnetusa don’t care. As long as it is money in their pockets, people like me don’t matter. I have reached out to customer service for answers, a solution and just help and understanding. I have received NOTHING. I was even told by customer service that my next payment will not be $250 but $300. This is a company that takes advantage of people who can least afford it. $700 in fees is obscene and heartbreaking. I cry every time I think about it. I will discourage anyone I can to NOT use this company. They don’t care about the American people. It’s just about the money they can put in their pockets. I reached out to Customer Service with no results. The problem is that you have charged me over $700 worth of fees in three month on a $1000 loan. I have made 3 payments of $250 for three months and there was NO CHANGE in my balance. Customer Service also told me my payment will go up this month. How is this helping people during this difficult time? I isn't I want to see a reduction in my balance so I can pay this loan off. This is so difficult for me and extremely upsetting. During this time when we are all suffering because of this pandemic, CashnetUSA has not compassion or understanding. People like me who are suffering financially yet you keep piling on the interest every day putting me deeper and deeper in a hole. You don’t care about suffering. I will Not EVER borrow money from this awful company! Yet is ridiculous the way you pile on the interest making it impossible for someone like me to catch up and pay down the debt. I took a cash advance for $1000 in December. Since then I have made three payments of over $250 and my balance is still $108. No money has gone to paying down the $1000. This is ridiculous. I will NEVER do business with CashnetUSA again as soon as I pay this money off. I am literally in tears about this. During this time people’s finances are strained, you don’t care. It is all about GREED. I wish I had never done business with you at all. I have been with Cashnet since 2009, yet you make no allowances. I will discourage anyone, as many people as I can, from using CashnetUSA. Shame on you! As I said, I am literally in tears about this. It is upsetting and depressing.
- Annette Dodson

This is one of the worst online pay day lenders with interest rates of 239%. I made the mistake of borrowing $1,500 in January 2020. I regret borrowing from this company as they have made over $3,583.98 in payments from me!!! They have made $2,083.98 in interest fees on a $1,500 loan that I made! I still have a balance of $115.32 to pay and I'll be done! Stay away from this business as I made a bad decision to borrow this money when I was facing a hardship! I will never recommend them to anyone after what I've gone through!!!!!!
- Helen

CashNetUSA is very expensive lending company. They will charge you 300% APR + an origination fee. I used them to get little help in my tough times. I knew their loans are expensive. That was my decision. I made my payments always on time, was never late. They continued to withdraw my money after I paid my balance in full!!!
- Toni Davidson

This company refuses to delete my personal data they have no right to store as I'm not their a client. I asked them to delete my information many time but they won’t do it!!
- David Scott

This is the most corrupt lender I have ever dealt with. They are scammers who aim at taking your last cent!
- John Harvey

On April 7th, I applied for a payday loan through CashNetUSA to pay my medical bills. I was approved within 15 minutes and got the money in my account on the 10th. I am very pleased with the service. Great job!
- Robert Bitting

Very fast and easy application. I was approved within an hour and made payments monthly, not every other week. I had the funds in my account the next day after approval. It was easy to download the necessary files and the process was hassle free. I will use th anytime I need money urgently. I highly recommend this lender!!
- Jane Soto

Very easy to get approved online. Great service and customer help by phone. Their manager was friendly, competent and helpful. He explained all the necessary things - all terms and rates. Great experience. I would recommend them to friends.
- Steve Rocha

The online application process was very fast and easy and I received a quick approval. The funds were in my account the next day. This whole process was online and they provided help I really needed in an urgent time of need. This is a good lender as long as you only borrow what you need and pay it off on time.
- Ronald Hill

Do not use them! They are still sending me texts and emails! They are spammers! They won’t stop!
- Robert Gurney

I asked for a loan of $2,000, got denied due to bad credit history. However, they said that I could receive $1,500. This amount has helped me to do my car repairs. The service was excellent! I'm very pleased.
- Christopher Buford

This lender is very misleading and will charge you THREE as much even if you pay off the loan early. Do not sign any documents!! Do not give them your contact or banking information. They are scammers and you will have to pay almost 300% interest even though they say you will not be charged like that. Be wary. Their business is illegal!
- Jennie Cyrus

My bank informed me that CashNetUSA has been using my checking account when I haven’t used their service!!! Scammers!!! BEWARE.
- Charles Melillo

I was very pleased with the convenience of application and how quickly I got my cash. No hassles! No extra efforts! I would recommend them to all my friends and family. I needed the funds urgently and everything went smoothly, the money was in my account just when I expected.
- Mike Ford

I appreciated the ease and the speed of the application and funding. Super. Payment options were also easy and affordable. They are providing such a good service! I’m satisfied!
- Latonya West

I’m very pleased with their loans. The whole process was online, which is very convenient. They was pleasant to talk to. It was a good experience. I’ll definitely use them again if I need extra cash.
- Bryan Griffis

The online application was very quick and easy. The funds were in my account the next day. I was able to do everything online. Every person I spoke to was nice and helpful. The repayment options were simple.
- Adam Hamrick

CashNetUSA was very easy with application and approval process. Was approved within 30 min and received payment in my account by the same day. But I want to warn all future applicants: do not miss your payments! It’s only been one day and they charge you a $10 penalty fee. Interest is not outlined very clearly. Overall nice experience, I would recommend them.
- Steven Wilson

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