CashNetUSA Payday Loans Review April 2017

Information verified correct on April 26th, 2017

CashNetUSA gives you the ability to apply for a payday loan, installment loan, or a line of credit.

CashNetUSA provides its services in 30 states across the US, and depending on the state you live in, you can apply for a Payday Loan, an Installment Loan, or even a Line of Credit. Applying for a CashNetUSA loan requires that you follow a simple online process and you can get access to the approved funds the next business day.

While you don’t have to have perfect credit to apply for a CashNetUSA loan or credit line, you have to meet certain eligibility criteria to apply. Your ability to meet repayments is crucial, and the repayments depend on the kind of loan you take.

Product NameCashNetUSA Loan
Min Loan Amount$300
Max. Loan Amount$2,250
Loan TermVaries by state
Turnaround Time1 business day
CostsVaries by state of residency.
RequirementsYou must be a permanent US resident or citizen, at least 18 years old and have a regular income.

Pros

  • Payday loans.
  • Installment loans.
  • Lines of credit.

Cons

  • APR ranges from 201.32% to 1,140.63%.

CashNetUSA Review

CashNetUSA is trusted by over 2 million customers across 30 states to provide loans quickly and easily. You can apply in minutes and receive an instant decision. Plus the application does not affect your credit score. You will receive the funds by the next business day, which you can use for whatever you need.

Product Information

  • Product Name: CashNetUSA
  • Loan Term: Up to 32 days, depending on your loan terms
  • APR: Anywhere from 201.32% to 1140.63%, depending on your state of residency and loan terms
  • Borrower Maximums: $2,250

Types of loans you can get from CashNetUSA

CashNetUSA provides Payday Loans, Installment Loans and Lines of Credit, but it does not offer all these products in all states. You’ll have to check which one you can apply for in accordance with the regulations of the state you’re in.

  • Payday Loans. You can look forward to borrowing up to  through a payday loan, although the amount you can apply for depends on state regulations. You have to repay the borrowed amount on your next payday if you don’t want to end up paying additional fees.
  • Installment Loans. Where you live determines how much you can apply for and the how long you have to pay back the loan. Your financial situation will determine if you have the ability to make monthly or bi-monthly repayments until you repay the loan completely.
  • Lines of Credit. A CashNetUSA Line of Credit gives you more freedom when it comes to funding and repayments in comparison to other short-term loans. In this case, you apply only once and you can access funds up to a given limit at any time. When it comes to repaying your loan you can make minimum monthly payments, lump sum payments, or pay the outstanding balance in full.

CashNetUSA Payday Loans Promo Code

If you’re approved for a loan, use promo code below to save 25%. Visit CashNetUSA.com for more information.
Disclaimer: On your initial loan fee for payday loans or CSO/brokered loans; get a 25% rebate on your first two payments for installment loans or installment-payday loans; or get a 25% rebate on actual CAB fees paid for CAB installment loans!+++

25% off initial CashNetUSA Loan fee

25% off on your initial loan fee for payday loans or CSO/brokered loans; get a 25% rebate on your first two payments for installment loans or installment-payday loans; or get a 25% rebate on actual CAB fees paid for CAB installment loans! Conditions Apply.

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What are the benefits of borrowing from CashNetUSA?

Applying for a Payday Loan through CashNetUSA means you have access to the following features and benefits:

  • Quick and simple process. You don’t have to visit a physical location to apply for a payday loan through CashNetUSA, and this is also the case when it comes to receiving approved funds. The online application takes just a few minutes to complete and you’ll find out if you’re approved almost immediately. Once approved, the money is transferred into your bank account the following business day.
  • Use funds for any purpose. You can use the money you receive through a CashNetUSA payday loan any way you want to. You can use this money for vehicle repairs, home repairs, paying bills, or getting over a financial hurdle.
  • Perfect credit not a requirement. Unlike many mainstream banks and lenders, CashNetUSA does not require you to have perfect credit history. You can apply for the payday loan no matter what your credit history looks like as long as you can demonstrate an ability to repay.
  • No collateral. Since these loans are unsecured in nature, CashNetUSA does not require you to provide any kind of collateral.

Find out your credit score here

The costs of borrowing

Multiple factors affect how much you end up paying in the form of fees. These include how much money you borrow, state regulations and how long you take to repay the loan. If you don’t pay the loan off on the due date, you could end up paying more in the form of NSF fees and late charges. If you live in a state that allows extensions, you might have to pay fees for this as well.

You can get a clear picture of the fees by going through the loan’s contract, which you will receive after the approval of your application.

Is it safe to borrow from CashNetUSA?

CashNetUSA abides by all state regulations, as do its lending partners. You’ll be provided with a loan contract after your application’s approval, and this document gives you a clear indication of the loan terms along with all associated fees and charges. CashNetUSA keep all the information you provide through their website safe and secure using the latest in encryption technology.
Is CashNetUSA legit or a scam?

How do CashNetUSA Payday Loans compare?

Rates last updated April 26th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
CashNetUSA Loan
Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
$2,250 Varies by state 1 business day Varies by state of residency. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know
Rates last updated April 26th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000 Varies by state 1–2 business days Varies depending on the amount and your state of residency. Go to site More
SWIFT Payday Loan
Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
$1,000 Varies by lender Next business day APR varies by lender Go to site More
Check City Payday Loan
Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.
Depends on state of residency Varies by state Next day Depends on state of residency. Go to site More
CashNetUSA Loan
Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
$2,250 Varies by state 1 business day Varies by state of residency. Go to site More
OppLoans Installment Loans
Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
$5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
Cash Central Payday Loan
Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
$5,000 Varies by state 1–2 business days Depends on your credit history and the state you live in. Go to site More
ACE Cash Express Payday Loans
An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required.
$250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

How you can get a payday loan from CashNetUSA

To apply for a CashNetUSA payday loan, simply click on the ‘Go to Site’ button, but make sure you meet the following eligibility requirements:

Eligibility criteria:

  • Permanent resident of the US or an American citizen
  • Source of income
  • Age 18 years or older


In order to complete the application successfully, you have to provide the following information:

  • Name, phone numbers, 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

Frequently asked questions

How much time does it take to apply?

If you have all the required information close at hand, you can complete the application in around five to 10 minutes.

How quickly can I get the money?

If you accept the loan’s contract during business hours, you can get access to the approved funds the next business day.

Do I have to provide my bank account details?

Yes, and this is because the account is used when it comes to transferring approved funds and making repayments.

Would I have to fax any documents?

You won’t have to fax any documents over in most instances but you might have to if you receive alimony, if you receive disability benefits, if you’re self-employed, or if you live in a list of given states.

After repaying my loan, how quickly can I apply for one again?

This depends on the state of your residence.

Are payday loans available in my state?

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2 Responses to CashNetUSA Payday Loans Review April 2017

  1. Default Gravatar
    Melissa | February 16, 2017

    If I don’t have a bank account can I still get a loan

    • Staff
      Adrienne | February 20, 2017

      Hi Melissa,

      According to CashNetUSA, you must have an active checking account to apply for a loan with them.

      Best regards,

      Adrienne

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