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CashNetUSA Logo


Overall Score

16 User Reviews

a month ago


Available in 29 States

CashNetUSA is an online payday loan lender with services available in 29 states across the United States. They offer payday advance loans, installment loans, lines of credit, and some brokered loans to borrowers with less-than-perfect credit that are in need of a short-term financial assistance. The company has been operating since 2005 and used to be owned by Cash America before becoming an independent company. Customers are serviced through their CashNetUSA account via the website and the CashNetUSA app. They do not have storefront locations.  

The Good

  • Loan Options 
  • Instant Lending Decision 
  • Online Security Center 

Loan Options 

CashNetUSA offers several different types of loans according to each state's laws and policies, including payday loans, installment loans, lines of credit or flex loans, and brokered loans in a few states where they cannot lend money directly. Its services are available in 29 states (see list below) and it provides detailed information about loan limits, interest rates, repayment, and other funding policies for each state. The maximum borrowing amounts range from as little as $205 to $2,250. Interest rates vary, but fall into a range between as little as 86.9% and as much as 1171.88% APR. 

For most payday loans, the full amount is due to be repaid on the date of the next payday that falls between 8 and 30 days, though that range will vary depending on the state. If the next payday falls outside of the state's specified range, repayment is generally due in 14 days. Some states allow for extensions, while others do not. Installment loans are paid monthly or bi-monthly, and payments on a line of credit are made according to the frequency of the paychecks. Any associated late fees, insufficient funds fees, and other fee amounts are listed on the Rates & Terms page for each state. 

Instant Lending Decision 

Applicants generally receive an instant lending decision, though some customers may be required to submit additional information or verifications, or may not be eligible for instant approval. Funds can be deposited as soon as the next day. In order to apply and be approved, applicants must: 

  • be 18 years old or older 
  • have a regular, verifiable source of income and make at least $1,000 per month 
  • have an active checking account 
  • be a U.S. citizen or permanent resident 

Online Security Center 

CashNetUSA provides customers with an online security center detailing the protective measures on their website. They also give information about how customers can protect their information, how to detect fraud, and how to report fraud. They also specifically have alerts for fraudulent loan approval and confirmation letters being sent out with CashNetUSA's name and information. 

CashNetUSA advertises 24/7 customer service and provide customers with several reliable methods of contacting them, including: 

  • multiple phone numbers for different departments 
  • multiple email addresses for different departments 
  • physical mailing address 
  • fax number 
  • live chat 

The Bad

  • Negative Reviews 
  • Availability 

Negative Reviews 

Most of the complaints and negative reviews of CashNetUSA are regarding a scam operation taking place in their name and detail the variety of scare tactics the scam artists have used. However, there are also some negative customer service reviews and reports that some of the assertions made on the CashNetUSA website are not as good as they seem. Some customers claim that although certain rates or terms are advertised, the conditions are not fully disclosed and the actual practices are not as beneficial to the customers as they may seem. CashNetUSA also apparently offers some promotions or discounts, but applying the promotional codes can be difficult. 


As an online lender, CashNetUSA offers payday loan services across the U.S., but it should be noted that they are not available in all states. Also, as with any payday loan company, their interest rates and fees will always be high and customers will end up paying back much more than the principal loan amount. Customers should be prepared to read the terms of their prospective loan before signing. CashNetUSA breaks out extensive state-specific details on their website regarding available loan options, regulations, loan fees, late fees, and extension options. APR rates in available states are listed below.  

  • Alabama: 228.13-638.75% APR 
  • Alaska: 166.86-521.43% APR 
  • California: 207.81-805.28% APR 
  • Delaware (Installment Loan): 89-449% 
  • Florida: 176.61-684.38% APR 
  • Hawaii: 201.32-805.28% APR 
  • Idaho (Line of Credit): 299% APR 
  • Illinois (Installment/Payday Loan):  205-415% APR 
  • Kansas (Line of Credit): 299% APR 
  • Louisiana: 182.5-912.5% APR 
  • Maine: 78.21-684.38% 
  • Michigan: 150.1-706.73% 
  • Minnesota: 90.38%-547.5% 
  • Mississippi (Installment Loan): 249-299% 
  • Missouri (Installment Loan): 89-449% 
  • Nevada: 260.71-1140.63%  
  • New Mexico (Installment Loan): 89-175% 
  • North Dakota: 243.33-486.67% 
  • Ohio: 291.96-1171.88% 
  • Oklahoma: 136.53-434.07% 
  • Oregon: 140.26-153.77% 
  • Rhode Island: 260.71-1140.63% 
  • South Carolina (Line of Credit): 325% 
  • Tennessee (Flex Loan): 275.85% 
  • Texas: 664.17-662.27% 
  • Utah (Line of Credit): 299% 
  • Virginia (Line of Credit): 299% 
  • Wisconsin (Installment Loan): 89-449% 
  • Wyoming: 235.43-235.55% 

Each state has different rules and regulations regarding financial loan minimum and maximum amounts, term lengths, and finance charges, and processing fees. Due to this, not all states can offer payday-type loans. When not available, other states offer short-term loans, or installment loans. Want to know which payday loan company is top rated? Click Here

The Bottom Line

CashNetUSA is a short-term lending company that primarily issues payday loans. Their services are available in 29 states and the types of available funding, as well as the specific loan limits, interest rates, repayment terms, and additional fees, vary according to each state's laws. Although the loan limits have a wide range, CashNetUSA most often offers payday loans of between $300 and $500 and the loans are typically repaid on the next payday within 30 days. Interest rates vary widely from state to state, but are generally high, as is normal for short-term loan lenders. They offer several reliable contact channels for reaching customer service, including a live chat Their website includes a security center detailing both the security measures they utilize and advice to help consumers detect and protect themselves against fraud. CashNetUSA has had their name used in a scam operation and some of the negative reviews and feedback are regarding that fraudulent activity. Potential customers should be aware that their rates and terms will vary according to their location and situation, and should plan on reviewing the terms of their prospective loan very carefully. View Top Rated Companies


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User Reviews


16 Reviews

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Crystal Sorah
October 18th, 2018 Christiansburg, VA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I will be glad when I pay off this company!! I own then 700 but I payed 340.00. Now they are saying I own them 540. 00 never again.

Robin Amini
October 11th, 2018 Fairfax Station, VA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Crooked company. My daughter got a $1,300 line of credit and did it without consulting her parents. This was her first time doing such a thing. We found out yesterday that they are charging her a 299% APR. I didn’t miss the decimal point. That is the amount they are charging her. We have been trying to call them since yesterday. 6 times to be exact. Each time on hold for 45 min or longer. They never answer their phone. I’m going to be reporting them to the BBB for fraudulent lending practices. They should be arrested for the scam they are running. Btw, I think most of those positive reviews are not real. The only reason they got a star was because I had to pick it in order to submit my review

September 25th, 2018 Carthage, NC

The worst I have ever experenice had a family crisis due to the storm in the state I live in and couldn't even get a loan for a small amount a rip off

Troy Siren
July 2nd, 2018 Gilbert, AZ

Got a great loan in a pinch. Rate was lower than expected with an easy payoff.

April 25th, 2018 Pontiac, MI DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Hello I apply for loan through CashNetUSA and I was approved so yesterday I paid off the loan and try to reapply and I was denied how that when two weeks ago they approved me for a loan. So I and this nice lady was like they use a third party company now she ho also had the wrong information

Marie Martinez
March 7th, 2018 San Antonio, TX DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

OKAY. So here's a honest, straight forward, no BS review. NO I'm not a robot or paid to review. I'm typing this review because of the amount of cry baby customers in these reviews I'm reading. Let me tell you something so before you apply, you have a clue. This loan company, *****DOES NOT REPORT TO THE CREDIT BUREAU NOR DETERMINE YOUR LOAN OFF SCORE***** Do you know what that means? That means that this loan company is LENDING you money because: A.) Your credit sucks and you can't get a credit card B.) You have no credit and you need cash now C.) You're a horrible spender when it comes to money. Instead of applying for a quick loan and getting pissed off at the interest rates and fee's, get a secured card, make a deposit and build your credit Back up then guess what? You get a beautiful credit Card with beautiful interest and amazing no fee conditions because the bank see's you as a financially responsible person! BUT some of you who are complaining about this loan company that yes! They have high fee's, they require strict rules because the people that are Applying? They already KNOW your credit is bad. They already KNOW you suck at spending money. If it bothers you so much, stop complaining and go get your score fixed up to get a pretty nice American Express card. Until you do that? You get high interest/high APR's Extreme late fee's and more! Until you show the corporate banks you can handle money, You will be on a tight leash. That being said, I personally love this loan company. Yeah my credit sucks ass, do I complain? Uh, no. I'm fixing it and I come to cash net when I need $100.00-$200.00 last minute and they're there for me! AND I pay it off quickly to avoid any fee's. Hence, being financially responsible. If you can handle that, you can apply and have a great experience. If not, stop crying and go fix your credit first. That is all.

January 26th, 2018 Las Vegas, NV DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

My association with this company has been a lukewarm one. The most recent incident that has turned me off was a chat to a customer service rep. this past week about my inability to confirm an extension with a partial payment. I tried various browsers and I tried again at work because sometimes I can access the site better at work. I don't know why. I kept getting an error when I clicked the "next button". The site would say "Failure to render page" . So when I got this error again at work, I opened up the customer service chat page. I have to watch the phones at work so chat was my only option. I explained the situation to the customer service representative and she told me that I had to make a partial payment and then extend the loan. I had extended the loan and then made a partial payment which did not bring the balance down at all. She cancelled that and I went and made a partial payment and extended the loan as instructed. However after chat was done, I realized that the balance was still not the amount I had wanted so I did another partial payment until it got to $100 which was what I wanted. Then, yesterday afternoon, I discovered an e-mail stating that partial payments are not permitted with an extension and they would be withdrawing the balance of $258 on top of the $100 I was expecting. It was too late to talk to anyone at the company because their customer service office was closed so I had to go to my bank and under the advice of the banking specialist, I had my account frozen. Now I've had to send messages to the other legitimate pending bills explaining why they are not able to get their money and I have to go through the trouble of getting a new account because Cash Net USA's customer service representative advised me incorrectly.

December 19th, 2017 Salt Lake City, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

They are very fast and the employees are above average, but their rates are rediculously high.

Anita Colburn
September 11th, 2017

Their interest is ridiculously high! This was not explained clearly in their offer. I have been paying on a loan with them for a while, and still owe 400 more than I borrowed! I will never use them again!

Jerry Martinez
September 1st, 2017

I got an email from this company offering me a loan, then asking me for information to validate who Iam. How can I verify this is not the fraudulent individual? And if it is who can I let know to bust this piece of s***.

Jeff Martin
July 24th, 2017

Taking advantage of people in desperate financial situations and slapping 389.9% interest on them is inhumane! No matter how desperate you are there are other solutions. Worst 12 months of payments in my life.

Jon doe
January 24th, 2017 Bay City, MI

I applied for a loan and was approved in the afternoon at 2:30 . However, I received an email at 2:30 am saying I was denied. Wtf? Changing an approval to denial 24 hours later.

August 25th, 2016

They gave a loan for 2000. Never would tell me interst rate charging me 400 dollars every two week in interst. Rip off

Butch E
August 16th, 2016 Newport News, VA

CashNetUSA debited an unauthorized amount of $80.00 from my checking account on July 18, 2016. I called CashNetUSA to update my pay day scheduled prior to this unauthorized debit. On July 19, 2016 my husband who is a "Disabled Veteran" and I also spoke with a "Supervisor" named "Trenton B." (He would not give us his last name), did not apologize for this but reluctantly refunded the $80.00 back to our "Joint Checking Account". "Trenton B." told me and my husband that going forward these unauthorized debits would not happen again. Also that I needed to call CashNetUSA to remind them not to debit any monies for the balance owed until my next scheduled pay period which was July 25, 2016 and August 11, 2016 with the final debit for the remaining balance on September 3, 2016 due to the "Labor Day" holiday which falls on September 5, 2016. On July 25, 2016, CashNetUSA debited $80.00. I called CashNetUSA on July 30, 2016 and July 31, 2016 to remind them that my next scheduled pay day was August 11, 2016. I was told that they had my updated pay day and they would debit $80.00 on August 11, 2016 which they did. My balance was $102.08 after the debit. But my account showed that my next debit due date was August 15, 2016 instead of August 22, 2016. On August 15, 2016 CashNetUSA debited my account in the amount $90.00 which caused our checking account to be "Overdrawn" by the amount of ($92.41). I called CashNetUSA on August 15, 2016 to advise them of the "Unauthorized" debit of $90.00. The "Customer Reps" told me they had no record of me sending them my updated pay scheduled. I ask to speak to a "Supervisor" and she also told me that there was no record of my updated pay period that I sent to them via email on Julu19, 2016. But I have a return email from "Trenton B." the first "Supervisor" that I spoke with on July 19, 2016 acknowledging he had received my updated pay dates. The "Supervisor" said that it was nothing they can do about the "Unauthorized" debit because per CashNetUSA it was scheduled for August 15, 2016 instead of August 22, 2016. My current is $12.08. But we have been caused great financial harm and our checking account could be closed because of this "Unauthorized" debit. I want all "Consumers" in the United States that have seen the commercials on TV or the internet regarding the ease of borrowing money from CashNetUSA, DO NOT BORROW MONEY FROM THIS COMPANY! They use fraudulent business practices to us the "Consumers" that reside in United States. I believe because we are near the end of paying this deceptive, deceitful business called "CashNetUSA" they want to drag this out by using the above described unsavory business practices to keep in an endless web of "Emotional Distress" and "Financial Hardship". We have found the hard way. Do Not Use this company or any other "Pay Day Loan" company to borrow money from. This may happen to you.

Lisa Jones
July 19th, 2016 Lynchburg, VA

I took our a loan with Cashnetusa for 1000 dollars. Right off the company added 200, extra in fees. The first monthly payment was over 300.00 dollars, I called to inquire about monthly payments and I was given some lame excuse about the loan was a revolving credit, and interest was charged daily, when I asked what was the daily rate I never got an answer. I have already paid this company 1500.00 and still owe 700.00. I can't wait to rid myself of this shady company. Bad decision on my part. If you can avoid this company please do so.

March 19th, 2016 Los Angeles, CA

Didn't even take out a loan from them and they are taking money out of my account. Insane. Apparently I owe them eight hundred dollars.