CashNetUSA Logo
star star_half star_border star_border star_border
35 User Reviews


Overall Score

error This company may not service all states.
See states serviced

CashNetUSA is an online payday loan lender with services available in 29 states across the United States. 

It offers payday advance loans, installment loans, lines of credit, and some brokered loans to borrowers with less-than-perfect credit that are in need of short-term financial assistance. 

The company has been operating since 2005 and used to be owned by Cash America before becoming an independent company. It operates as a direct lender, except in Texas. 

Customers are serviced through their CashNetUSA account via the website and the CashNetUSA app. This short-term lender does not operate storefront locations. 

The CashNetUSA application process does not require a credit check with the main three credit reporting bureaus (Equifax, Experian, and TransUnion). This means that your FICO credit score will not be affected just by applying. 

Loan repayment is not reported to the big three credit bureaus. Instead, the lender uses alternative credit reporting agencies for inquiries and reporting, as customers repay the loan. 

Keep reading for pros and cons, plus CashNetUSA reviews from real customers. 

Top Ranked Companies


The Good

  • Loan Options 
  • Quick and Easy Application
  • Funding Time
  • Online Security Center 

Loan Options 

CashNetUSA offers loans to consumers with bad credit. 

These include several different types of loans according to each state's laws and policies, including payday loans (also known as cash advances), installment loans, lines of credit or flex loans, and brokered loans in a few states where they cannot lend money directly. 

CashNetUSA's lending 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 eight 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 payment plan extensions, while others do not. 

If you get an installment loan (also referred to as a personal loan, or personal installment loan), payments are monthly or bi-monthly. Payments on lines of credit are made according to the frequency of your paychecks. 

Any associated late fees, insufficient funds fees, and other fee amounts are listed on the Rates & Terms page for each state. 

Quick and Easy Application

CashNetUSA only offers online loans; hence, you have to apply online. 

Applicants generally receive an instant lending decision, though some customers may be required to submit additional information for verification, or may not be eligible for instant approval. In order to complete the loan application, you must meet several basic requirements: 

  • 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 

Not everyone can be approved. Approval decisions are based on your personal financial information and CashNet's underwriting rules. 

Funding Time

After being approved, how long does it take for a borrower to receive their funds?

If your application is approved by 10:30 AM CT, Monday–Friday, in most cases, your money is deposited by the end of the day. So, same-day funding is available, but your loan request has to be completed and approved by 10:30 AM. 

If your application is approved on a weekday, but after 10:30 AM, funds will be deposited the next business day. 

If your application is approved after 10:30 AM on a Friday, your funds will be deposited into your checking account on Monday. 

Online Security Center 

CashNetUSA provides customers with an online security center detailing the protective measures on their website. Advice about how customers can protect their personal information, how to detect fraud, and how to report fraud are available.

Additionally, the site offers alerts for fraudulent loan approval and confirmation letters being sent out with CashNetUSA's name and information. 

CashNetUSA advertises 24/7 customer service and provides customers with several contact methods, including: 

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

Not many payday lenders offer consumers this much accessibility. 


The Bad

  • Negative Reviews 
  • Availability 
  • High Interest Rates

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 coupon codes can be difficult. 


As an online lender, CashNetUSA offers payday loan services across the U.S., but it should be noted that its services are not available in all states. 

On top of that, any rates and fees will be different and totally dependent on where you reside, as well as your creditworthiness. 

High Interest Rates

CashNetUSA is a loan company. It offers to fund people that don't have access to mainstream credit. 

Due to this, CashNetUSA loans aren't cheap, and shouldn't be considered as a long-term financial solution. 

Interest rates are high. CashNet breaks out extensive state-specific details on its 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 loan amounts, loan terms, 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. 

As mentioned above, some states will allow you to apply to extend or defer payments. The lender asks that customers contact customer service at least two business days before a payment is due to see if you are eligible to apply for deferment. 

Also, as with all payday loan companies, interest rates, and fees will always be high and customers will end up having to pay much more than the principal loan amount. Customers should be prepared to carefully read the terms of your loan offer before signing. 


The Bottom Line

CashNetUSA is a short-term lending company that primarily issues payday loans to consumers with bad credit and other credit score difficulties. Services are available in 29 states and funding types, 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 sites like CashNetUSA. Several reliable contact channels for reaching customer service are offered, including a live chat. 

Potential customers should be aware that this is not a long-term financial solution. Rates and terms will vary according to your location and situation, and customers should plan on reviewing the terms of their prospective loan very carefully before they agree to borrow. 

Have you worked with CashNetUSA? Was it a good or bad experience? Let us know with a quick CashNetUSA review below. 

View Best Payday Loans

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating


star star_half star_border star_border star_border

35 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star_half star_border star_border star_border


star star_half star_border star_border star_border


star star_half star_border star_border star_border


star star_half star_border star_border star_border

Filter by:


Sort by:

star star_border star_border star_border star_border

Tracie Wallace Douglasville, GA

CROOKS!!! A BUNCH OF CROOKS! Do not do business with these "people." I got a loans years ago and forgot about it. When I was contacted about it, I made arrangements and paid it off. Two years later, I get contacted again by an attorney telling me that they have a file with my name on it for an unpaid CashNet loan. I explained to him that I paid it and they had no record of that so I went through the lawyer's office and paid it AGAIN. Low and behold, years later, I'm being contacted again about this loan that was paid in full. They are crooks giving different collection agencies my information to see if they can get more money. They will not get another penny out of me. I paid that stupid loan and it would've been over 11 years when I got it in the first place. These people are so ridiculous! If you need a loan that bad, go somewhere else!!!!! If I could give them a -5, I would.

2 months ago

star star_border star_border star_border star_border

Dodson Owings Mills, MD

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.

4 months ago

star star_border star_border star_border star_border

I GOT SCREWED Bourbonnais, IL

CashNetUSA is a huge joke. Stay far far away. I was a sucker that fell for it. They loaned me $325. Not exactly knowing how it worked I left the monthly payments go over 9 months. And for borrowing $325 I had to pay back a total of $1,600. The interest rate in Illinois must be 500% if you need a little cash. Borrow from a friend. Borrow from a relative. Borrow from your boss. But if you go with this company you might as well bend over

11 months ago

star star_border star_border star_border star_border

B Florissant, MO

They are fraudulent and the truest definition of loan sharks. With a 325% interest rate, you'll never ever pay your debt to them. You can make a payment towards your balance and they apply it to the ridiculous interest even if you want to put it towards the principal. Poor people in a bind look towards these kinds of companies for quick money but it is NOT worth dealing with. You'll be in an endless circle of debt that you'll never get out of. I paid $400 towards my line of credit and my balance went UP. At that point, im the fool for even signing the contract. This is a warning. FIND ANOTHER PLACE TO GET A LOAN. CASHNET IS FRAUDULENT AND EXISTS ONLY TO KEEP YOU IN DEBT. I DO NOT WANT A REPLY FROM THIS TRASH COMPANY EITHER. I DO NOT CARE WHAT YOU HAVE TO SAY. MY ACCOUNT IS CLOSED FOR GOOD.

1 year ago

star star_border star_border star_border star_border

Virginia Montelongo New Orleans, LA

if I could give zero as an option I absolutely would! this company is horrible. I called in to pay off and asked for a payoff balance and she gave me the balance I could see on the account I have, I explained no I was looking for the payoff amount the principal balance and I was told they couldn't release that info to me. once I stated I would have a lawyer friend look over all of it and what was stated to me then I was told " let me see what I can do". At that point they all of a sudden was able to give me a principal amount but it showed I had only basically paid 3.89 towards principal after 8 payments!! i will never use this company again moving forward i will stick to private loans if i ever need one again

1 year ago

star star_border star_border star_border star_border

Moneka Cofield Albuquerque, NM

I wish there was class action against this company as I borrowed $1700 in Oct and have been paying $122 every 2 wks($244) and now I’m ready to pay remainder and they say I owe $1689. Omg I’m so infuriated with this company as all my hard earn money is going towards interest only. Don’t ever use them as they are not to help you rather harm you by keeping you in debt as many need it for funeral, rent, medication and/or other emergencies but they show no concern or empathy which is not a company I would want my enemy to use as this is robbery, bait/switch method, family impact. Don’t ever ever ever take out Liam with them unless you want yo give away your hard earn money. Period

2 years ago

star star_border star_border star_border star_border

Herman Walker

My father who is elderly and on a fixed income got a loan from this company. He was mislead to believe he would repay the loan in 6 payments and low and behold he was charged 699.00 679.00 526.00 and 324.00 and when I called and asked what was going on because he now has lost house and his truck from not being able to pay the lady told me 100 goes to the loan and the remainder of the 699.00 went to interest what?? Yep 325 percent interest rate when I asked why or how is this allowed she replied with we can't deny people credit due to lack of funds ??!! So instead you let elderly people lose their homes cars and go without eating? U am trying to see if I can pursue legal actions and am now encouraging my dad to claim bankruptcy to save what little he had very sad and disappointed they need to me more clear or they should be shut down

2 years ago

star star_border star_border star_border star_border

Robin Amini Fairfax Station, VA

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

2 years ago

star star_border star_border star_border star_border

Butch E 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.

4 years ago

star star_border star_border star_border star_border

frank mims Columbia, TN

they aren't upfront and transparent. the resolution or a dispute take days. the skip automatic withdrawals just to tack up more fees. i borrowed $800 and now i have already paid $1200 and still owe $300. You pay more in fees than actual interest and principle. I question the legality of this service. I more than willing to start a class action lawsuit. you be better off to be late on a payment.

1 year ago

star star_border star_border star_border star_border

Blk Lake Charles, LA

If I could give zero or negative stars I would!! Biggest RIP off!!!! They say you can pay off your balance early and as fast as you want in order to pay less in interest but... it's all lies. They will just put twice as much interest on your loan so you never get out fron under it. I had a 1100$ balance and wanted to pay 700 off now and the rest off in 2 weeks and now I still have almost a 900$ balance!! How?!? Thess guys are the worst. I knew their interest was high but to add in an extra 400+ in interest just because I made a payment??

1 year ago

star star_border star_border star_border star_border

Katti Bridgeport, WV

Absolutely HORRIBLE! Do NOT take a loan from them. We borrowed money when we were in a tight spot but paid them back what we owed plus the crazy interest, they said we were done with our loan. Fast forward a month later and now they are taking money from our account again.. first it was the weekly amount that we had owed before and now it’s hundreds of dollars (647) to be exact! We are furious and cannot get ahold of anyone. We have blocked them from making transactions through our account and the bank is refunding the money. The next step will be contacting a lawyer.

2 years ago

star star_border star_border star_border star_border

Jim B Corona, CA

They offered me a chance to refi and pull more money out. I filled out the request and was approved within an hour. I checked to days later and was told the loan is on hold, but approved. Couple days later I was told I needed to sign a new contract and it would fund the same day. Still nothing. Two days later again sign a new contract. Well now I’m almost three weeks in and heard nothing. I don’t even want the money now. Be aware unprofessional stay far away

2 years ago

star star_border star_border star_border star_border

Lisa Jones 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.

5 years ago

star star_border star_border star_border star_border

Rifat Ahmed Elkridge, MD

Please, new customer do not take their service. They will screw you so hard. They keep increasing outstanding balance in every 8 hours. I've never seen a online robber like them. I took line of credit $800 and end up paying $1540 in less than 20 days. There are other lenders out there, try for them.

1 year ago

star star_border star_border star_border star_border

M Rocket Albuquerque, NM

Was approved for small loan, when reviewing the bank info for my fund transfer I noticed the account number was wrong. After calling to have it fixed I was told the application will be withdrawn and I would need to go through the process again. Oh but guess what we will just deny you now and keep your updated bank info.

1 year ago

star star_border star_border star_border star_border

Irene Medina Woodlyn, PA

I would like to put a complaint in on one of your repeby the name of Jordan E I was approved for a loan and he told me it would be in my bank this Thursday March 7 2019 and as of now still nothin I called him about 10 times and he refuse to call me or text me back to find out about this

2 years ago

star star_border star_border star_border star_border

sean maxwell Salt Lake City, UT

i've been with cashnet usa since 2014 they took out more money then i authorized for them to take out of bank account and then i cancelld so are ask for ther money back so going pay them their money back and i will never use them again

2 years ago

star star_border star_border star_border star_border

Cynthia Pontiac, MI

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

3 years ago

star star_border star_border star_border star_border

Trisha Smith Tulsa, OK

Please Im begging you DO NOT I REPEAT DO NOT GET A LOAN THROUGH THEM. THEY WILL SCREW YOU TO NO END. Over $300 a month payments on a $500 loan

7 months ago

star star_border star_border star_border star_border

Anita Colburn

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!

3 years ago

star star_border star_border star_border star_border

Jerry Martinez

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***.

3 years ago

star star_border star_border star_border star_border

Jeff Martin

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.

4 years ago

star star_border star_border star_border star_border

Jon doe 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.

4 years ago

star star_border star_border star_border star_border

JH Pelham, AL


1 year ago

star star_border star_border star_border star_border

chris 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

2 years ago

star star_border star_border star_border star_border

Crystal Sorah Christiansburg, VA

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.

2 years ago

star star_border star_border star_border star_border

Curt 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.

5 years ago

star star_border star_border star_border star_border

Alisa Anderson, SC

If I could give a lower rating I would. All I asked was for a payoff date they told me they couldn’t give me one.

2 years ago

star star_border star_border star_border star_border


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

4 years ago

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information