CashUSA installment loans review May 2019 | finder.com

CashUSA installment loans review

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  • Clicking Go to site will take you to your Online Application on the product issuer's website. You do not need to be an existing customer of this provider to apply.
  • Your application will typically take you no more than 10-15 minutes to complete.
  • Conditional approval will typically happen within 1 business day after submitting your application. In many cases, you will have your funds within a week.
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Need a quick cash loan as high as $10,000? This loan connection service could help.

When you’re faced with a tough financial situation, it can be hard to juggle bills and everyday expenses while trying to budget for an unexpected emergency. A loan could help you pay for a large purchase you couldn’t otherwise afford. CashUSA could help connect you with a lender that might be able to get you the money you need.
Product NameCashUSA Installment Loans
Min. Loan Amount$500
Max. Loan Amount$10,000
Loan Term90 days to 72 months
Turnaround TimeAs early as 1 business day
Requirements$1,000+ monthly income after taxes, valid checking account
Go to CashUSA.com's website

Pros

  • Bad credit is OK
  • No application fee
  • Debt education resources
  • Valid checking account
  • $1,000+ monthly income after taxes
  • US citizen or permanent resident
  • 18+ years old

How does CashUSA work?

CashUSA works to connect you with a lender, meaning you won’t get a loan from CashUSA directly. Instead you’re redirected to a lender that fits your credit score and desired loan amount. Most people use CashUSA to find loans to pay off outstanding debt, cover emergencies, pay for moving costs, buy a used car or repair their current car. If you find yourself in one of these situations — or any others where you need cash quickly — CashUSA’s online process can make applying for a loan painless and easy.

This service can help just about anyone find a lender — even if you have less-than-perfect credit. There might be a lender in CashUSA’s network that’s willing to work with you and finance whatever expense you need to cover. It doesn’t cost anything to apply, and you can borrow between $500 and $10,000 from a lender in the network.

What are the benefits of a loan from CashUSA?

  • Debt education resources. CashUSA’s website has multiple articles on handling your debt and improving your finances.
  • No application fee. When you apply for a loan through CashUSA, you won’t pay an application fee to connect with one of its personal lenders.
  • All credit is OK. 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.
Go to CashUSA.com's site

Is there anything I need to watch out for?

  • Not a direct lender. CashUSA is a service that connects you with a lender depending on your financial background and current employment situation.
  • High fees. Personal loans that don’t come from banks tend to have high fees. Be prepared to pay an interest rate between 5.99% and 35.99% if you’re approved for a loan by one of CashUSA’s affiliate lenders.
  • No approval guarantee. There is 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 accurately.

Compare more online installment loan options

Updated May 22nd, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
$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
1 business day
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.
$2,500
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
Get an installment loan from an online tribal lender. Perks for returning borrowers.
$15,000
1 business day
$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 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.
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.

Compare up to 4 providers

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.

How are the online reviews of 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.

Everything you need to know about payday loan matching services

Am I eligible?

Before CashUSA connects you to a lender, you’ll need to be sure you meet its basic requirements.

  • You are a citizen or permanent resident of the US
  • You are at least 18 years old
  • You have an operational checking account
  • You have a monthly income of $1,000 or more after taxes

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

How do I apply?

You can apply in three simple steps. Be sure to have details about your employment and bank account on hand so you can finish your application quickly.

  1. Enter the loan amount you’re requesting, your name, email and zip code.
  2. Enter the reason for your loan, your birth date, your credit score range and confirmed amount requested.
  3. Fill in your contact, employment and identity information.

Then submit your application. Keep in mind CashUSA will also ask you to enter your Social Security number in order to verify your identity.

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 can 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 you’ve explored your short-term loan options.

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