CashSpotUSA short-term loans review 2021 |
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CashSpotUSA short-term loans review

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A standard connection service without many details on its lenders.

  • Best for quickly applying for installment and other short-term loans.
  • Pick something else if you have time to research and apply with a direct lender.


Min. Amount


Max. Amount


Turnaround time


Product NameCashSpotUSA short-term loans
Min. Amount$300
Max. Amount$1,500
Loan TermVaries
Turnaround TimeVaries
RequirementsActive checking account, income of at least $1,000 per month

Expert review

Kellye Guinan

Review by

Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

Expert review

CashSpotUSA can connect you to a wide variety of lenders offering short-term loans, personal loans and business loans. However, the majority of its service seems geared toward short-term lending — which means you may be connected with an installment or tribal lender that charges high rates to borrow.

And while its website provides plenty of information about the general process, it isn’t clear about the specific options its network of lenders offers. Because it shares your information with lenders — potentially exposing you to marketing calls and emails — it may be easier to compare other lenders and find an option that meets your exact needs instead.

What is CashSpotUSA?

CashSpotUSA is a connection service that works with a wide variety of short-term lenders. Its lenders offer installment loans, tribal loans and title loans — among other options — but CashSpotUSA isn't upfront about how much it costs. Instead, you will need to fill out its online form to view potential rates and terms.

What states is CashSpotUSA available in?

CashSpotUSA doesn't list the states its lenders service. If you're not sure whether you live in an eligible state, reach out to CashSpotUSA directly or browse our list of short-term laws by state to see if installment and title loans are legal where you live.

What are the benefits of CashSpotUSA?

CashSpotUSA offers a few standard benefits for a connection service.

  • Works with a wide variety of lenders
  • Bad credit OK
  • No fees to use its service

What to watch out for

CashSpotUSA may seem like a convenient option, but like all connection services, there are some risks involved.

  • Not transparent about costs
  • APR may be 400% or more
  • Limited information about connection process
  • May share your information for marketing

Compare more short-term loan options

To see other lenders, select your state and click Show me my options.

Data updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 – $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Pheabs installment loan connection service
$100 – $35,000
As soon as next business day
Fair credit accepted
Check Into Cash Payday Loan
$50 – $1,000
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.
Fast5kLoans Short-term Loans Connection Service
$100 – $35,000
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.
Monevo Installment Loans
$500 – $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

Is CashSpotUSA legit?

CashSpotUSA appears to be a legitimate connection service. It has a secure website and an industry-standard privacy policy that covers how it collects and uses your information. However, its customer reviews don't accurately reflect its services — with many stating CashSpotUSA offered loans to them directly rather than connecting them with another lender.

And because there isn't much information available on its network of lenders, you won't know how well CashSpotUSA works as a connection service until after you submit sensitive personal information.

CashSpotUSA reviews from around the web

CashSpotUSA earns high ratings from borrowers, but they may not all be accurate. Many state that CashSpotUSA lent to them directly, while its website advertises it strictly as a connection service. Others are generally pleased with their loans, although they don't provide details on the process or customer service.

Am I eligible?

CashSpotUSA doesn't list the exact eligibility requirements set by the lenders in its network, but you will need to meet these two criteria to be considered:

  • Active checking account
  • Monthly income of at least $1,000

How do I use CashSpotUSA?

To be connected with a lender through CashSpotUSA:

  1. Visit CashSpotUSA's website and click Installment loans.
  2. Select the amount you want to borrow, then enter your full name, phone number and email. Click Apply now.
  3. Enter some basic personal information, including your address, driver's license number, pay frequency and Social Security number.
  4. Review CashSpotUSA terms of service and click Go.

CashSpotUSA will review your information and connect you to a lender within five minutes.

What documents do I need to sign up?

CashSpotUSA requires you to submit this information when you use its online form:

  • Date of birth
  • Driver's license number
  • Monthly net income
  • Routing and bank account numbers
  • Social Security number

I was connected with a lender. Now what?

CashSpotUSA will redirect you to your lender's website so you can finish filling out an application. Depending on the type of loan you want to borrow, you may need to submit additional information like proof of income or residence.

Before you sign a loan contract, confirm that the lender has outlined the full cost of your loan, including a breakdown of how much you'll be paying in interest. If you have any questions — or run into any problems — reach out to your lender as soon as possible.

CashSpotUSA can help speed up the process of finding a lender, but you can also compare short-term lenders on your own and get a full read on providers before you apply.

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