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CashUSA installment loans review

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You may qualify for as much as $10,000 — but it could be expensive.

finder.com’s rating: 2.8 / 5.0

★★★★★

When you’re facing a number of expenses and don’t have time to compare options, CashUSA may be able to connect you with a lender that can help. Good credit isn’t required, but you may face a high interest rate and multiple fees, which could make repayments difficult to afford.

$500

Min. Amount

$10,000

Max. Amount

As fast as same business day

Turnaround time

Details

Product NameCashUSA Installment Loans
Min. Amount$500
Max. Amount$10,000
Loan Term90 days to 72 months
Turnaround TimeAs fast as same business day
CostsVaries by state
RequirementsRegular source of income, bank account, US citizen or permanent resident, age of majority in your state
Go to CashUSA.com's website

How does CashUSA work?

CashUSA is a connection service, not a direct lender. When you submit your information, you have a chance to be connected to a short-term lender in its network that offers loans between $500 and $10,000 and rates ranging from 5.99% and 35.99% — not including any fees.

Your exact loan term and the amount you pay will vary based on the lender you’re connected with. But unlike more traditional options, the lenders in CashUSA’s network accept borrowers with less-than-perfect credit. Just be careful: The less restrictions there are, the more pricey your loan could be.

How paying off debt works with a loan through CashUSA

Select Debt Consolidation as the reason for your loan in the application form. CashUSA will go through its network of lenders to find one that matches your credit score, current financial situation and amount you’d like to borrow.

If you’re approved for a loan, you’ll be redirected to the lender’s website where you can finish the application process. Once it’s complete, use your funds to pay off your small debts, leaving you with one monthly payment instead of many and a potentially lower interest rate.

What are the benefits of a loan from CashUSA?

  • All credit types welcome. CashUSA’s affiliate lenders may perform an official credit check, but your credit isn’t the only thing they use to determine approval. Even if you have less-than-perfect credit, you may still be able to get a loan.
  • No application fee. When you apply for a loan through CashUSA, you won’t pay an application fee to connect with one of its partner lenders.
  • Online debt education resources. CashUSA’s website has multiple articles on handling your debt and improving your finances.
Go to CashUSA.com's site

Is there anything I need to watch out for?

  • Could be expensive. Unlike traditional bank loans, short-term loans available to all credit types tend to be more expensive. This means you could see rates as high as 35.99% — not including any fees the lender tacks on.
  • Not a direct lender. CashUSA is a service that connects you with a lender depending on your financial background and current employment situation. This means you’ll be receiving your funds and making repayments to a company other than CashUSA.
  • Not guaranteed approval. There’s no such thing as a guaranteed loan. However, you can improve your chances of being approved by making sure you meet the eligibility criteria listed below and answering your application questions truthfully.

Compare more online installment loan options

Updated November 14th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$1,200
As soon as the next business day
Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member
Borrow up to $1,200 — but only if you live in Missouri or Utah.
$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.
$5,000
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.
$2,600
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.
$50,000
Same business day to 1 business days
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
$15,000
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.
$10,000
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Compare up to 4 providers

What do borrowers say about CashUSA?

CashUSA doesn’t have any reviews on the Better Business Bureau (BBB) or TrustPilot, and it isn’t accredited by the BBB. But remember, CashUSA is a loan connection service and doesn’t provide loans itself. Instead, it redirects you to a lender that fits with the amount you want to borrow and your financial situation. Be sure to check the online reviews of the lender you’re ultimately connected with before signing onto a particular loan.

Am I eligible?

To qualify with a lender in CashUSA’s network, you’ll need to meet the following criteria:

  • US citizen or permanent resident
  • At least 18 years old
  • Operational checking account
  • Monthly income of $1,000 or more after taxes

You should also be comfortable entering your contact details, information about your employment and your Social Security number.

How do I get started?

To find a potential lender using CashUSA’s connection service, follow these steps:

  1. Click the Go to site button on this page to be redirected to CashUSA’s website.
  2. Enter the loan amount you’re requesting, your name, email and ZIP code.
  3. Enter the reason for your loan, your birth date, your credit score range and confirmed amount requested.
  4. Fill in your contact details, employment information, Social Security number and other personal information.
  5. Submit your application and wait to get connected with one or more potential lenders.

Application steps with screenshots

What happens after I submit my info?

It will usually take a few minutes for CashUSA to process your request with an approval decision. If you’re connected with a lender, be sure to read the entire contract before agreeing to a loan. The interest rate, APR and other costs will be given to you before you sign. You’re under no obligation to accept a loan offer, but once you do, you’re required to pay the amount stated in the contract.

Go to CashUSA.com's website

Bottom line

CashUSA may be able to help you find a loan that fits your needs. As long as you meet the eligibility requirements, you can apply with CashUSA and potentially be connected with a lender that works with you. Before you submit your info, be sure to compare other short-term loan options or look into other connection services to find the best provider for you.

Frequently asked questions

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.

Read the full methodology of how we rate short-term loan providers and similar services.

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2 Comments

  1. Default Gravatar
    Gert
    November 11, 2019

    Is possible get loan if I live in Europe?

    • AvatarStaff
      Jhez
      November 11, 2019

      Hi Gert,

      Thank you for your comment.

      Upon checking, I am sorry to inform you that it’s not possible to get a CashUSA Installment Loans if you live in Europe. The eligibility criteria states that the applicant must be a US citizen or permanent resident.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Regards,
      Jhezelyn

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