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CashNetUSA payday loans review

  • Kellye Guinan's headshot
CashNetUSA Loan
Finder score
Min. Amount
Max. Amount
Turnaround time
As fast as same business day

Our verdict

Compare a wide variety of options from a lender that's upfront about the cost.

CashNetUSA offers payday loans, installment loans and lines of credit to borrowers with bad credit. You could potentially qualify for same-day funding, and unlike many other lenders, CashNetUSA is upfront about how much you'll pay. But the cost is still high — and your options will depend on your state.

You should compare multiple lenders before making a final decision.


  • Bad credit is OK
  • Quick application
  • Fast turnaround


  • High APRs range from 201.32% to 1,140.63%.

In this guide

  • Our verdict
  • Details
    • Product details
    • Contact info
  • Your reviews
  • Ask a question's rating: 4.1 / 5.0


Bottom line: CashNetUSA is one of the few online lenders that offers payday loans on the same day you apply. But like short-term option, it's an expensive choice that could lead to more future debt. Read our full review.


Product details

Product Name CashNetUSA Loan
Min. Amount $100
Max. Amount $3,000
Loan Term Varies by state
Loan Security Unsecured
Turnaround Time As fast as same business day
Costs Varies by state
Requirements Regular source of income, bank account, US citizen or permanent resident, age of majority in your state

Contact info

Phone number 888-801-9075
Customer service hours 7 a.m. – 10 p.m. CT, Monday through Friday
8:30 a.m. – 5 p.m. CT, Saturdays
10 a.m. – 6:30 p.m. CT, Sundays
Twitter @CashNetUSA
Facebook @CashNetUSA

What are CashNetUSA rates, fees and terms?

CashNetUSA offers payday loans, installment loans and lines of credit to its borrowers — but your exact options will depend on your state. How much you borrow, state regulations and your loan term will affect the total cost.

Payday loans

Payday loan laws vary by state, but in most cases, you will pay a finance charge for every $100 you borrow. This means your annual percentage rate (APR) will change depending on when you have to pay back your loan.

StateLoan amountAPRLoan term
Alabama$100 to $500228.13% to 638.75%10 to 28 days
Alaska$100 to $500166.86% to 521.43%14 to 35 days
California$100 to $255207.81% to 805.28%8 to 31 days
Florida$100 to $500129.52% to 684.38%8 to 31 days
Hawaii$100 to $500201.32% to 805.28%8 to 32 days
Maine$100 to $300156.43% to 684.38%8 to 35 days
Michigan$100 to $600150.34% to 712.21%8 to 31 days
Minnesota$100 to $35090.38% to 547.5%8 to 30 days
Nevada$100 to $1,500 or 25% of your gross monthly income260.71% to 1140.63%8 to 35 days
North Dakota$100 to $500243.33% to 486.67%15 to 30 days
Oklahoma$100 to $500136.93% to 439.4%13 to 35 days
Oregon$100 to $300 or 25% of your gross monthly income140.26% to 153.77%31 to 35 days
Rhode Island$100 to $1,500 or 25% of your gross monthly income260.71% to 1140.63%8 to 35 days
TexasUp to $1,800 or 35% of your gross monthly incomeAround 664.25%8 to 35 days
Wyoming$100 to $1,500235.43% to 235.55%14 to 28 days

Installment loans

Where you live determines how much you can apply for and 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 option to make monthly or bimonthly payments.

StateLoan amountAPRsLoan terms
Delaware$300 to $3,500129% to 449%6 to 24 months
Illinois$250 to $2,400205% to 415%112 to 180 days
Mississippi$300 to $2,500249% to 299%5 to 12 months
New Mexico$800 to $3,500129% to 175%12 to 24 months
Ohio$300 to $1,00085% to 239%4 to 12 months
Texas$600 to $2,500303% to 579%Up to 180 days
Wisconsin$300 to $1,000241% to 449%6 to 9 months

Lines of credit

A line of credit allows you to borrow as much as you need and only pay interest on what you’ve used. There is a minimum $50 draw, and some states have a transaction fee of 15% of each draw amount.

StateMaximum credit lineAPR
Alabama$2,000 to $3,000299%
Idaho$100 to $3,000299%
Kansas$100 to $3,000299%
Louisiana$100 to $3,000299%
Missouri$500 to $2,800325%
South Carolina$650 to $2,800325%
Tennessee$100 to $3,000275.85%
Utah$100 to $3,000299%
Wisconsin$1,550 to $3,000299%

What is CashNetUSA and is it legit?

CashNetUSA is a legit lender with an industry-standard privacy policy that outlines how it shares your personal information for its own marketing purposes, everyday business practices and joint marketing efforts with other financial companies. However, you can limit this sharing by visiting the Opt out page on its website or by calling its customer service number.
Its website and application also features SSL encryption to protect any information you enter online. In addition, CashNetUSA has an entire page dedicated 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.

Why was government action taken against CashNetUSA?

In January 2015, the Commissioner of Business Oversight in the State of California cited CashNetUSA for unscrupulous business practices that violated the California Financial Code.
Among the charges filed against CashNetUSA include:

  • Charging unlawfully high interest rates
  • Withdrawing more money than originally agreed upon from customer accounts
  • Illegally charging returned payment and late fees with its Extended Payment Plan
  • Not updating its license with its legal name
  • Not disclosing that its licensed by the Department of Business Oversight on its website

As a result, CashNetUSA was forbidden from collecting any interest or fees related to the above citations. It was only legally allowed to collect on the principal amount its California customers borrowed.

Compare alternatives to CashNetUSA

Our table has payday loans, connection services and alternatives similar to CashNetUSA.

Name Product Filter Values Loan amount Turnaround time Requirements
Finder Score: 4.7 / 5: ★★★★★
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
Finder Score: 4.2 / 5: ★★★★★
Chime SpotMe®
Up to $200
Qualifying $200 direct deposits into Chime checking account each month. Chime debit or Credit Builder card.
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Finder Score: 4.1 / 5: ★★★★★
Up to $250
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Not rated yet
Based on the amount of accrued PTO
Up to 5 business days for approval and 5 business days for funding, or instant for a fee
18 years of age, W-2 employee, US citizen or permanent resident, employer must carry over PTO and payout upon termination
Tap your unused PTO for a cash advance so you can access that money early. Available in : CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
Finder Score: 4.2 / 5: ★★★★★
$50 to $250
2 to 3 business days or instant with a Premium subscription or for a fee.
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $8.99 membership fee.
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
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.
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $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.
Go to site

CashNetUSA reviews and complaints

BBB accreditedNo
BBB ratingB
BBB customer reviews1.11 out of 5 stars, based on 80 customer reviews
BBB customer complaints245
Trustpilot score4.6 out of 5, based on 15,117 customer reviews
Customer reviews verified as of09 February 2021
CashNetUSA receives mixed reviews on its Better Business Bureau (BBB) page and on Trustpilot. Those happy with the lender praise its fast, easy application. Negative reviews centered around the high cost of borrowing. While these are valid complaints, it’s important to remember that payday loans tend to have high interest rates. Payday and installment loans are repaid over short periods of time — usually a few weeks to a few months — and you should expect to pay $10 to $30 for every $100 borrowed.

Am I eligible?

To qualify for a loan or line of credit from CashNetUSA, you need to meet the following requirements:

  • Active checking account
  • Regular source of income
  • US citizen or permanent resident
  • At least 18 years old

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 information do I need to apply?

You’ll need to submit a few basic details to complete an application with CashNetUSA, including:
  • Date of birth
  • Social Security number
  • State ID number
  • Details about your income
  • Details about your bank account

How do I apply?

To get started, visit the CashNetUSA website. Click the Go to site button on this page and a discount code will automatically be filled for you. Fill out the application with a few personal details and create an account with CashNetUSA. From here, you can agree to its terms of service, including a credit check. You should receive a decision almost immediately after submitting your application. If approved, read the fine print listed on your loan contract and in the FAQs on CashNetUSA’s website. While payday loans can be a good way to afford emergency expenses, they’re an expensive form of credit. You should know the full cost 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 same business day if approved by 10:30 a.m. CT. If not, your funds should generally be available within one to two business days.

What are my payment options?

You can repay your loan online or by mail — just give yourself a few extra days to make sure it gets there in time. If CashNetUSA doesn’t receive the check by 5 p.m. CT on your due date, you might incur late fees. If you choose to pay online, enter your checking account information and authorize it to make a withdrawal on the date your payment is due. CashNetUSA will automatically withdraw the funds from your bank account on the due date.
To make changes to your banking information, contact customer service by emailing through your account or calling 888-801-9078 at least two days before your payment 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.

I didn’t get the loan. What can I do?

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.

What other products and services does CashNetUSA offer?

In addition to its loans and lines of credit, CashNetUSA also offers two other services for its borrowers:

  • Savings program. CashNetUSA partnered with other companies to offer exclusive discounts on everything from tax preparation to eating out.
  • Financial literacy. When working with CashNetUSA, all borrowers get access to free online financial education courses and interactive tools to help you take control of your finances.

These vary by state, so check CashNetUSA’s website to see what’s available where you live.
Before you sign the dotted line, compare all of your options, including other short-term lenders like CashNetUSA.

Frequently asked questions

Our answers to common questions about CashNetUSA.

Will CashNetUSA improve my credit score?

No. CashNetUSA doesn’t report payments to any of the three major credit bureaus. However, if you default on a loan and it is sold to collections, you may see a drop in your credit.

Can I extend or refinance my loan?

You may be able to extend your payday loan if you’re a resident of on of these states:

  • Alabama
  • Alaska
  • Louisiana
  • Maine
  • North Dakota
  • Nevada
  • Ohio
  • Rhode Island
  • Texas

If you’re eligible, a Request extension button will appear on the homepage of your account. Just keep in mind that refinancing is an expensive option that could lead to taking on more debt.

Will I have to fax any documents?

In most cases, no. But you might have to if you receive alimony, disability benefits or are self-employed.

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.

Your reviews

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May 13, 2019

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


Jhez Finder

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.



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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


Harold Finder

September 26, 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.



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September 25, 2017

How do I refinance my loan?


Anndy Finder

September 25, 2017

Hi Terry,

Thanks for your question.

We do have a guide and a list of refinance personal loans. I highly recommend you read through that page to learn more about your options.



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September 14, 2017

Can i apply for a loan if i recieve ssi



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. See our list of pensioner loans to compare your options.

I hope this helps.



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August 13, 2017

Do you give loans to military and there dependents?


Harold Finder

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.



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