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CashNetUSA Reviews

4.304347826087

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$100 - $1,000 PAYDAY LOANS
$1,000 - $35,000 INSTALLMENT LOANS

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Cashnetusa Rates and Fees

Cashnetusa interest rates and terms vary depending on the loan product you choose, where you live, your income, and your credit history. This table provides you with a range of rates, so you can get an idea of what a Payday loan, Installment Loan and Personal Loan may cost.

MAX Loan Ammount

MAX Loan Ammount

Loan amounts are determined by your annual salary and wages, and a review of your debt. Each state allows for a different maximum loan amount, see our Rates and Terms pages to see the maximum loan amount in your state.

$500
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

207.81%
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, Unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

Varies by state
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

805.28%
Terms

Terms

It’s the period of time within which you are to pay off your loan.

8-31 days
Turnaround Time

Turnaround Time

It's the period of time within which you get the money.

1 business day
Apply online
MAX Loan Amount

MAX Loan Amount

Loan amounts are determined by your annual salary and wages, and a review of your debt. Each state allows for a different maximum loan amount, see our Rates and Terms pages to see the maximum loan amount in your state.

$3000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

89%
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, Unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

Varies by state
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

191%
Terms

Terms

It’s the period of time within which you are to pay off your loan.

18 - 24 months
Turnaround Time

Turnaround Time

It's the period of time within which you get the money.

1 business day
Apply online

....

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States where Cashnetusa is available

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 1 state
  • California

Cashnetusa Locations

Choose your Cashnetusa Location to find stores near you:

California

CashNetUSA has been providing Payday Loans, Installment Loans, Line of Credit as well as other financial help and education since 2004. They have helped more than 3 million customers to handle their financial emergencies. CashNetUSA is part of the publicly traded company Enova International, Inc. With CashNetUSA you can apply online 24/7 or in-store 7 days a week. 

Contents:

CashNetUSA

Get approved at CashNetUSA

CashNetUSA Installment Loans

CashNetUSA Payday Loans

CashNetUSA phone number

CashNetUSA promo code

CashNetUSA reviews.

CashNetUSA  

CashNetUSA  is a verified lender that offers Payday Loans, Installment Loans and Line of Credit to over 2 million Americans across 30 states.

  • quick and easy application which only takes a few minutes,
  • instant decision if you’ve been approved,
  • funds transferred into your bank account as soon as the next business day.

Among other benefits there are:

  • savings program
  • financial education

cashnetusa benefits

Must know!
CashNetUSA does not operate in the following states:
  • Arizona,
  • Arkansas,
  • Colorado,
  • Connecticut,
  • District of Columbia,
  • Georgia,
  • Indiana,
  • Iowa,
  • Kentucky,
  • Maryland,
  • Massachusetts,
  • Montana,
  • Nebraska,
  • New Hampshire,
  • New Jersey,
  • New York,
  • North Carolina,
  • Pennsylvania,
  • South Dakota,
  • Vermont,
  • West Virginia.
If you live in one of those states, look for Payday Loans or Installment Loans from other lenders.

Get approved at CashNetUSA  

To qualify for a loan from CashNetUSA you are:

  • to live in a state CashNetUSA services;
  • to be over 18;
  • to have a regular source of income.

cashnetusa requirements

Bad credit is not a problem to get approved by CashNetUSA as they look at all the aspects of your application, such as how long you’ve been employed and how frequently you get paid, to determine if you can afford a loan.

Read more about Bad Credit Payday Loans or Bad Credit Personal Loans.

How do I apply for a loan at CashNetUSA?

Step-by-step application process:

1. Go to the site and check if you can get any promo code.
2. Choose your state.
3. Click the Apply Now button.
4. Fill in the application form which will consist of personal information and information about your bank account and employment.
6. Submit the application and wait for the website to process your loan request.

The application contains the following information:

  • Name, phone number, home address and email address
  • Date of birth, Social Security number and state ID number
  • Employer’s name and phone number
  • Income details
  • Bank account details

To let you know that you've been approved you'll be sent an email notification. CashNetUSA and the lender reserve the right to make adjustments to your approval until the time you receive the funds in your bank account based on new information regarding your application.

CashNetUSA Installment Loans  

Installment loans differ from Payday Loans as they are generally for larger amounts and are paid off in multiple installments over a longer period of time.

CashNetUSA offers installment loans in:

  • New Mexico,
  • Wisconsin
  • Delaware.

Terms differ depending on your state of residence. See the table to learn more details on Installment Loan amounts, terms, rates and fees in each state.

State Loan amount Loan terms APR Fees
New Mexico $800 - $3500 12 - 24 months 129% – 175% Late fee of 5% of the unpaid installment payment or $10, whichever is less, to be assessed 10 calendar days after the installment due date.
Wisconsin $300 - $1000 6 - 9 months 241% – 449%

Late Fee of 5% of the unpaid installment payment or $10, whichever is less, if a payment is more than 10 days late.

Delaware $300 - $3500 6 - 24 months 129% – 449%

Late Fee of 5% of the unpaid installment payment

If you can't get an installment loan in your state, try other products such as a payday loan/cash advance or a line of credit.

Your range of options for a personal installment loan will vary depending on your application and the state where you live.

Applying for an Installment Loan at CashNetUSA has plenty of benefits:

  • you can decide how much money you want to borrow and how long you would like to pay it back;
  • instant eligibility decisions and same-business-funding;
  • available for customers with less-than-perfect credit;
  • online loan won't affect your FICO® score.

How CashNetUSA Installment Loans Work:

  1. Apply online in minutes.
  2. Receive an instant lending decision.* Possible decisions include Approved, Need More Information and Declined. If more information is needed, you may need to send in additional documents like paystubs or other proof of income.
  3. Apply early and receive funds as soon as the same business day,† if approved.
  4. Repay over your scheduled loan term. You are free to repay early at any time with no penalty.

CashNetUSA Payday Loans 

CashNetUSA offers payday loans, or cash advances online in Alabama, Alaska, California, Florida, Hawaii, Louisiana, Maine, Michigan, Minnesota, Nevada, North Dakota, Oklahoma, Oregon, Rhode Island, Texas, Washington, Wyoming.

CashNetUSA payday loans are unsecured short-term loans, usually for less than $500. The amounts, terms and types of loans available differ according to where you live.

See the table to learn more details on CashNetUSA Payday Loan amounts, terms, rates and fees in each state.

State MAX Loan amount Loan terms APR (varies depending on the term. The shorter the term is the higher the rates are) Additional fees
Alabama $500 10 - 28 days 228.13% - 638.75% an insufficient funds fee (NSF) of $30
Alaska $500 14 - 35 days 208.57% - 521.43%

$5 per loan, an insufficient funds fee (NSF) of $30

California $255 8 - 31 days 207.81% – 805.28%

an insufficient funds fee (NSF) of $15

Florida $500 8 - 31 days 176.61% - 684.38% $5 verification fee per loan, NSF fees will be $25 for amounts up to $50, $30 for amounts over $50 and up to $300, and $40 for amounts greater than $300.
Hawaii $500 8 - 32 days 201.32% - 805.28% an insufficient funds fee (NSF) of $20
Maine $300 8 - 35 days 156.43% - 684.38% a late fee of the lesser of $10 or 5% of the missed payment
Michigan $600 8 - 31 days 183.80% - 712.21% $0.61 flat fee per loan, an insufficient funds fee (NSF) of $25 
Minnesota $350 8 - 30 days 182.50% - 547.50% $5 administrative fee per loan, an insufficient funds fee (NSF) of $30
Nevada $1500 8 - 35 days 260.71% - 1140.63% an insufficient funds fee (NSF) of $25
North Dakota $500 15 - 30 days 243.33% - 486.67% an insufficient funds fee (NSF) of $20
Oklahoma $500 13 - 35 days 163.21% - 439.40% $0.65 flat fee per loan, an insufficient funds fee (NSF) of $25
Oregon $300 31 - 35 days 140.26% - 153.77% $10 origination fee, an insufficient funds fee (NSF) of $20 
Rhode Island $1500 8 - 35 days 260.71% - 1140.63% an insufficient funds fee (NSF) of $25 
Texas $1800 8 - 35 days 10% $25 per $100 borrowed, CAB fees, a late fee of 5% of the outstanding balance, an insufficient funds fee (NSF) of $30
Wyoming $1500 14 -  28 days 235.43%  None

To get a Payday Loan from CashNetUSA you need:

  1. complete application
  2. do an alternative credit check which doesn't affect your score
  3. get instant decision
  4. read the agreement and sign it
  5. get the funds

cashnetusa payday loans

You'll stay 100% satisfied by CashNetUSA service as you get:

  • quick applying
  • immediate decision
  • same day funding

cashnetusa benefits

If an online payday loan is not available in your state, you still might be able to apply for a product that suits your needs — such as a longer-term installment loan or a flexible line of credit.

Or consider Payday Loans from other direct lenders worth your attention:

TOP RATED COMPANIES

Rates last updated April 5th, 2020
4.3031784841076

LEND YOU

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

17,5%
MIN MPR

The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.40625

Check Into Cash

$1,000
Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

Varied by state
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.3647540983607

Greenlight Cash

$1000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varies by state
MIN MPR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.3605870020964

Loan By Phone

$1500
Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

260.71%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.0740740740741

Indylend

$1,000
MAX Payday Loan

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

200%
MIN APR

The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.8762886597938

Extralend

$1000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varied
MIN APR

The minimum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

CashNetUSA phone number. 888.801.9075  

CashNetUSA has 3 ways you can contact them:

  • by phone 888.801.9075
  • in a chat 
  • by e-mail support@cashnetusa.com 

cashnetusa customer service

The customer support working hours are the following:

Monday – Friday: 7 a.m. – 10 p.m. CT 

Saturday: 8:30 a.m. – 5 p.m. CT

Sunday: 10 a.m. – 6:30 p.m. CT

CashNetUSA promo code  

To make payday loan, installment loan or line of credit more affordable CashNetUSA offers a number of promo codes that can lower your overall loan fees. Go to the CashNetUSA Promo Code Page to find the latest available code number. 

Depending on the types of loans available in your state, promo codes can work a little differently:

  • For a payday loan, your discount will apply to the loan’s initial fee, saving you money right at the beginning of a loan.
  • Promo codes for installment loans save you money at the end. After you’ve been approved and used your code, you’ll still make all your installment payments as usual. Once you have fully repaid your loan by making all of the scheduled installment payments, CashNetUSA will apply the discount percentage to your first two scheduled installment payments. You’ll then receive a rebate for that amount, deposited right into your bank account.

To use the promo code you are to:

  1. Click the Apply button to automatically apply your promo code to your CashNetUSA application. You’ll be redirected to the provider’s page where the promo code will be prepopulated.

cashnetusa promo code

  1. Or paste the code on CashNetUSA page while aplying.
  2. Fill out an application form.
  3. After approving, CashNetUSA will apply your promo code savings to your loan.

Look for details how your promo code might apply to your loan.

Product How Your Discount Works Example

Fees, payments and discount amounts are used as examples only. Please see the Rates & Terms page to understand the fee structure for your product.

Details and Restrictions
Payday Promo discounts are applied to your initial loan fee. If your initial loan fee is $25 and you have a promo for 20% off, you’ll save ($25 x 0.20) = $5.
Payday Extensions Promo discounts are applied to the extension fee of your payday extension. If your extension fee is $25 and you have a promo for 20% off, you’ll save ($25 x 0.20) = $5.
CSO/Brokered Payday & CAB Payday Promo discounts are applied to your CSO or CAB fee. If your CSO or CAB fee is $25 and you have a promo for 20% off, you’ll save ($25 x 0.20) = $5.
Installment & Installment-Payday Promo discounts take the form of a rebate that you receive after repaying your loan. Your rebate will be a percentage of your first two scheduled payments. If your first two payments total $300 and you have a promo for 20% off, you’ll get a rebate for ($300 x 0.20) = $60. You will be eligible for a rebate if: (1) you make two or more scheduled payments on your loan; and (2) the amount of interest paid on your installment loan is greater than or equal to the rebate amount, or the amount of fees paid on your installment-payday loan is greater than or equal to the rebate amount. 

Your rebate will be deposited in your bank account via ACH after you have fully repaid your loan.
CAB/CSO Installment Promo discounts take the form of a rebate that you receive after repaying your loan. Your rebate will be a percentage of the actual CAB/CSO fees paid on your loan. If the actual CAB or CSO fees paid on your loan are $300 and you have a promo for 20% off, you’ll receive a rebate for ($300 x 0.20) = $60. Your rebate will be deposited in your bank account via ACH once you have fully repaid your loan.
Flex Loan & Line of Credit Promo codes cannot be used for Flex Loans or lines of credit.

CashNetUSA reviews  

Consumers leave different reviews on CashNetUSA service. Most of complaints are connected with high costs.

They use Trustpilot — an online scoring system that lets verified customers leave ratings and feedback. CashNetUSA has a Trustpilot score of 9.2/10, as of June 2019. Many people praise CashNetUSA for its quick loan processing and customer service.

 

trustpilot reviews

On ConsumerAffairs pages you'll also find mostly positive reviews.

cashnetusa reviews

 

 

NEED CASH FAST?
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Cashnetusa CUSTOMER REVIEWS

1 Reviews
NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

Loans for ANY  NEEDS
APR from 4.99%

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