CashNetUSA review and promo code September 2019 |

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CashNetUSA payday loans review

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Apply for a payday loan, installment loan or line of credit from this direct lender.

Provided you have a steady source of income and an ability to repay your loan, you could qualify for a loan from CashNetUSA. Be sure you know the costs first to make borrowing a short-term loan a good financial decision.

1 business day

Turnaround time


Product NameCashNetUSA Loan
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround Time1 business day
CostsVaries by state of residency.
RequirementsRegular source of income, bank account, US citizen or permanent resident, ages 18+
Go to CashNetUSA's website

State availability

CashNetUSA does not offer loans 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, you’ll want to look elsewhere for a short-term loan.

Do I qualify?

Provided you live in a state CashNetUSA services and have a regular source of income, you may qualify for a loan. Unlike traditional loans from banks or credit unions that rely on your credit score, CashNetUSA looks 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.

What is CashNetUSA?

CashNetUSA is a trusted lender that has provided over 2 million borrowers across 30 states with quick and easy loans. The application only takes a few minutes, and you will receive an instant decision if you’ve been approved. Once you sign the loan contract, you could have your funds transferred to your bank account as soon as the next business day.

Three types of loans you can get from CashNetUSA

CashNetUSA provides payday loans, installment loans and lines of credit.

Payday Loans. The maximum you can apply for depends on the regulations in your state. You must repay the principal and interest by your next payday.

  • State availability: Alabama, Alaska, California, Florida, Hawaii, Louisiana, Maine, Michigan, Minnesota, Nevada, North Dakota, Oklahoma, Oregon, Rhode Island, Texas, Washington, Wyoming

Installment Loans. Where you live determines how much you can apply for and the how long you have to pay back the loan. The amounts are usually larger than a payday loan, and the repayment terms are longer. Your financial situation determines if you have the ability to make monthly or bi-monthly repayments until you repay the loan completely.

  • State availability: California, Delaware, Illinois, Mississippi, Missouri, New Mexico, Ohio, South Carolina, Texas, Wisconsin

Lines of Credit. A CashNetUSA line of credit gives you more freedom when it comes to funding and repayments. You can borrow as much as you need when you need it, up to your approved limit. When it comes to repaying your loan, you can make minimum monthly payments, lump sum payments or pay the outstanding balance in full.

  • State availability: Alabama, Idaho, Kansas, Tennessee, Utah, Virginia

CashNetUSA promo code

If you’re approved for a loan, use the promo code below to save 15% or more. Visit for more information.

Disclaimer: 15% off on your initial loan fee for direct payday loans or brokered loans; get a 15% rebate on your first two payments for installment loans or installment-payday loans; or get a 15% rebate on actual Credit Access Bureau fees paid for installment loans in states where CashNetUSA partners with a third-party lender. Conditions apply.

CashNetUSA CashNetUSA

15% off initial CashNetUSA Loan fee

15% off on your initial loan fee for direct payday loans or brokered loans; get a 15% rebate on your first two payments for installment loans or installment-payday loans; or get a 15% rebate on actual Credit Access Bureau fees paid for installment loans in states where CashNetUSA partners with a third-party lender. Conditions apply.

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Popular CashNetUSA - Coupon coupon codes

Last checked Code description Code
5 Sep 2019 15% off initial CashNetUSA Loan fee A15****

How this CashNetUSA promo code works

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 application. The online application takes a few minutes to complete, and you’ll find out if you’re approved almost immediately. If approved, your loan can be transferred into your bank account as soon as the following business day.
  • Use the funds for nearly any purpose. You can use the money you receive through a CashNetUSA payday loan any way you want to with very few exceptions.
  • No collateral. Since these loans are unsecured in nature, CashNetUSA doesn’t require you to provide any kind of collateral.
  • Bad credit is OK. Unlike many mainstream banks and lenders, CashNetUSA does not require you to have a perfect credit history. You can apply for the payday loan no matter what your credit looks like as long as you can demonstrate an ability to repay.
Go to CashNetUSA's site

The costs of borrowing

Factors that affect the costs 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 to your loan term, you might have to pay fees for this as well.

You can get a clear picture of the fees by going through the loan contract, which you’ll receive after the approval of your application. If you don’t agree with the terms or feel you might not have an ability to repay the full amount on time, you’re under no obligation to sign the contract.

How much can I borrow?

The total amount you can borrow and the type of loan you can apply for varies by state. Consult the table below for a quick guide to your options with CashNetUSA.

StateMaximum AmountLoan Type
Alabama$500 / $2,000Payday / Line of Credit
California$255 / $3,400Payday / Installment
Idaho$1,500Line of Credit
Kansas$1,500Line of Credit
Missouri$1,500Line of Credit
New Mexico$3,000Installment
North Dakota$500Payday
Rhode Island$850Payday
South Carolina$1,500Line of Credit
Texas$850 / $1,200Payday / Installment
Utah$1,500Line of Credit
Virginia$1,800Line of Credit
Wisconsin$1,000/ $1,550Installment/ Line of Credit

How do CashNetUSA loans compare?

Updated September 19th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
As soon as the next business day
Checking account with ACH, proof of income, Social Security number, ages 18+
Get rewarded for making on-time repayments with better rates and terms on future loans.

Compare up to 4 providers

What do borrowers say about CashNetUSA?

You may have seen a number of customer complaints about CashNetUSA on its Better Business Bureau (BBB) pages. Keep in mind many of these negative reviews are centered around the high cost of borrowing with CashNetUSA. While these are valid complaints, it’s important to remember that short-term loans tend to have high interest rates. Payday and installment loans are repaid over short periods of time (usually a few weeks to months), and you should expect to pay $10 to $30 for every $100 borrowed.

The reviews posted on Trustpilot are more positive. 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.

Is CashNetUSA legit?

Yes. CashNetUSA is a legit lender and abides by all state regulations. You’ll be provided with a loan contract after your application’s approval. This document details your loan terms along with all associated fees and charges.

When you use CashNetUSA’s website to apply or check your loan status, you’ll be protected by an industry-standard Privacy Policy and security system. In addition, CashNetUSA has an entire page dedicate to understanding online safety and avoiding common scam tactics.

If you have any questions, you can contact CashNetUSA via their customer service phone number or email address.

How to apply for a 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:

  • An American citizen or Permanent resident of the US
  • Regular source of income
  • At least 18 years old (varies by state)
  • Must not reside in: AZ, AR, CO, CT, DC, GE, IN, IA, KY, MD, MA, MT, NE, NH, NJ, NY, NC, PA, SD, VT, or WV

In order to complete the application successfully, you have to provide 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

Step-by-step application process:

1. Click the Go to Site button on this page to go straight to CashNetUSA’s website. The form will be prefilled with the promo code above.
2. You’ll choose from a drop-down list of states. Since every state has different laws regarding short-term loans, it’s important you choose the one you reside in.
3. After clicking the Apply Now button, you’ll fill out a two-page application.
4. The first page of your application asks for your personal information, such as your home address and your Social Security number.
5. This second page is where you’ll need to enter information about your bank account and employment.
6. Once you’ve finished, submit the application and wait for the website to process your loan request.

CashNetUSA's online application and your bank account information

CashNetUSA will ask for your bank account numbers during the initial application. After you’ve signed a loan agreement, it may require you to log in through an online portal in order to verify your bank information. This helps CashNetUSA process its loans faster and deposit money more quickly.

I got the loan. Now what?

It’s very important that you read all the fine print listed on your loan contract and in CashNetUSA’s FAQ. While short-term loans can be a good way to afford emergency expenses, they are a costly form of credit. Budgeting for the cost of a loan is necessary so you can be sure to avoid any extra charges for late or missed payments.

Once you sign your contract, you’ll have your funds deposited into your bank account as soon as the next business day. From here, you can use the money for whatever you need.

How do I repay my CashNetUSA loan?

CashNetUSA offers three repayment options, though all might not be available in your state due to local regulations. You can either repay your entire loan at once, make partial repayments or get an extension on your term.

To repay your loan, go to CashNetUSA’s site, enter your checking account information and authorize it to make a withdrawal on the date your repayment is due. CashNetUSA will automatically withdraw the funds from your bank account on the due date.

If you need to make changes to your banking information, contact customer service by emailing or phone at least two days before your repayment is due. You’ll also need to fax a copy of either a voided check or a bank statement from that account (it doesn’t accept starter checks).

If you need to provide payment information to the collections department, CashNetUSA asks you not to fax or email any credit card or bank account information. Instead, call its collections department to set up your method of payment.

I didn’t get the loan. What’s next?

There are a number of reasons you might not have qualified for a loan. Depending on your income and employment history, CashNetUSA may have determined that you couldn’t afford to borrow at this point in time. Or you might not have resided in one of its serviced states.

You may want to consider other lenders that may approve you instead.

Bottom line

If you’re thinking about taking out a loan and you don’t have the best credit, CashNetUSA could be a way to finance a big expense or emergency between your pay checks. But CashNetUSA is only available in a limited number of states. Before you decide, be sure to compare all your options, including short-term lenders like CashNetUSA.

Go to CashNetUSA's site

Frequently asked questions

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  1. Default Gravatar
    May 13, 2019

    My payment is due on Thursday. I have to reschedule for 30th because I got overdrawn.

    • AvatarStaff
      May 14, 2019

      Hi Penny,

      Thank you for your comment.

      I understand that you want to reschedule the repayment. Please be advised that you have reached Finder and not CashNetUSA directly. We recommend that you please contact them so they can check if the repayment can be rescheduled for you.


  2. Default Gravatar
    September 26, 2017

    Why do you have to give your bank id number and password to your online banking to get a loan for 28 months

    • AvatarStaff
      September 27, 2017

      Hi Tootie,

      Thank you for your inquiry.

      While we do not represent any company that we feature on our pages, we can offer you a general information. Generally, payday lenders ask for your Internet banking details because it gives them a way to access your statements. This is one way payday lenders are able to process your application much faster than banks. Instead of you emailing your bank statements from the past three months, the lender can access them instantly.

      To protect your information, legitimate lenders either provide only portals for you to log in directly to your bank and approve viewing access or ask for your bank account numbers. If a lender asks for your username and password directly, it could be a scam.

      CashNetUSA will only ask for your bank account numbers during the initial application. After you’ve signed a loan agreement, it may require you to log in through a portal in order to verify your bank information.

      I hope this information has helped.


  3. Default Gravatar
    September 25, 2017

    How do I refinance my loan?

    • AvatarStaff
      September 25, 2017

      Hi Terry,

      Thanks for your question.

      If you want to refinance your personal loan, you may check our guide and compare your options here.


  4. Default Gravatar
    September 15, 2017

    Can i apply for a loan if i recieve ssi

    • AvatarStaff
      September 15, 2017

      Hi Lilia,

      Thanks for contacting us.

      Yes, you can still apply for a personal loan even if you are under a Supplemental Security Income (SSI) Benefit. Kindly visit this page for the list of lenders that can offer you a loan.

      I hope this helps.


  5. Default Gravatar
    August 13, 2017

    Do you give loans to military and there dependents?

    • AvatarStaff
      August 13, 2017

      Hi Sherri,

      Thank you for your inquiry.

      USAA is part of unique group of financial institutions with a mission to help US military members and their families with more favorable financial products, including banking accounts, credit cards, investment advice and loans to its members. You may want to consider the available options here.

      I hope this information has helped.


  6. Default Gravatar
    August 12, 2017

    Why do you have to buy a 100 dollar card at wal mart to get a loan for 2,000 dollars

    • AvatarStaff
      August 12, 2017

      Hi Tonia,

      Thanks for your question.

      If you apply for CashNetUSA payday loan, you have the option to provide your bank account details. If you don’t have a bank account, that is when you will need a prepaid debit card where the lender could deposit the proceeds of your loan.

      You may also check this page to compare other prepaid debit card loans.


  7. Default Gravatar
    July 29, 2017

    Hello! I’m curious… I applied in Kansas and was approved for a line of credit of $700. However, the interest rate I was shown was a whopping 299%. How does that factor into repayment, if calculated from the date of loan? Does that essentially mean I’d be expected to repay $2,093 in total, and does that 299% continue to inflate my amount owed back, or is it static at $2,093? Thanks for your help!

    • Default Gravatar
      July 29, 2017

      Hi Ron,

      Thanks for your question.

      CashNetUSA charges an annual percentage rate of 299% or a daily interest of 0.8192%. For a loan of $700 with 12-month loan term, the total repayment you’ll make is $2,093, not accounting for any fees or penalties. However, the total repayments may vary depending on the loan term since CAshNetUSA charges daily interest based on the loan outstanding balance. Hence, the reducing interest as you make your periodic repayments.

      I hope this has helped.

      Kind regards,

  8. Default Gravatar
    July 16, 2017

    hi i am not an us resident, but i have us bank debit card, can eligible for getting payday loan, please send me details at my email…

    • AvatarStaff
      July 16, 2017

      Hi there,

      Thanks for your question.

      If you are not a US resident, the lenders on this page may consider you for a loan and have the proceeds deposited to your debit card account.

      Kindly review the eligibility criteria and the terms and conditions of the loan product before submitting your application. You may also have to contact the lender directly to inquire if your debit card meets their criteria.


  9. Default Gravatar
    July 7, 2017

    I recently got an email from cashnetusa saying i was approved for loan amount of $5000 but the transfer failed. It said that i need to purchase a giftcard for $100 in order to continue with a wiring transfer. But i noticed that the website for Cashnet says that the maximum loan amount is $2000. Or 2500. And no other payday loan places ever said anything about having to use a giftcard to get a loan. So this sounds like bull to me. So my question is should i change my account number at my bank becauae they have that info.

    • AvatarStaff
      July 8, 2017

      Hi Lenora,

      Thanks for getting in touch.

      In most states, the maximum amount of loan that you can get from CashNetUSA is less than $5,000. If you are in doubt about the email you received, you can contact the lender directly to confirm if it is legitimate or not.

      In regards to your bank account, if you have not given any security number such as PIN or password for your online log-in, it is generally still safe. However, to be on the safe side, it would be best to also contact your bank to inquire what is the best course of action for this situation.


  10. Default Gravatar
    June 3, 2017

    Can you explain if I get the loan and only $1000.00 how does that work?

    • AvatarStaff
      June 19, 2017

      Hi Marsha,

      Thank you for your inquiry.

      With CashNetUSA Payday Loans you can may be eligible to get a minimum loan amount of $300 up to $2,250. But basically you would need to meet all the requirements. You can review the the information stated above for this loan to have a better understanding about the offer.

      I hope this information has helped.


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