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Find the Best Personal Loan for Your Needs

CashNetUsa is a subsidiary company of Enova International, a publicly traded global financial lender. It is an online-only lender that provides short-term loans to individuals in the US and other countries.

These are the temporary bridging-the-gap type of financing instruments for emergency needs and unforeseen circumstances. Typically, they involve small amounts and shorter borrowing tenures.

CashNetUsa Personal Loan Reviews


CashNetUsa operates through its website It has a 100% e-commerce business model where the end-to-end processing of loans is done virtually. According to a CashNetUsa review carried out by a reputed dotcom company, has processed over 2 million loans in 30 states of the United States as of July 10, 2018. With tax cuts and a better business environment, these numbers could easily improve.

Since the company is an online service provider, becoming a CashNetUsa approved borrower takes only a few minutes.

The entire procedure of loan application, processing, and approval is completed within a few minutes. And the funds are transferred to the borrower’s account within twenty-four hours. This speed and efficiency of CashNetUsa have been a played a major role in its success.

Considering the company’s borrower profile which is largely based on emergency needs, the policy of “sooner the better” works well in favor of CashNetUsa. What’s more, the company is sympathetic to borrowers with a low credit score, and it also considers lending to individuals who have been refused a loan from other lenders.

A combination of these features makes a handy online resource for people in dire need of emergency funds. It involves no travel, no physical interviews and questioning, and no waste of time in lengthy paperwork.

All one has to do is access the company through CashNetUsa login from anywhere, apply for the loan, and get approved within minutes. The process is extremely helpful for individuals who are unable to travel due to various reasons.

For example, a person who has a family member in critical care may not have the travel time for a physical loan application. Similarly, the elderly or differently abled persons can also avoid the physical interface of the loan process.

Loan application and approval within 5 minutes

That’s how fast works! Usually, the applicant just needs to provide their full name, address proof, phone number, email address, date of birth, social security number, and work occupation details. The company’s fully automated backend loan processing procedure will evaluate the details and come up with a decision within 5 minutes.

The same will be conveyed to the applicant through an email, and if the loan is approved, they can have funds in their account within 24 hours. A critical aspect to remember while applying for a loan at is that you need to be a US citizen or a permanent resident to be eligible.

Different types of loans provided by CashNetUsa

The company provides three types of short-term loans to individuals. These are:

Payday loans

Payday loans are short-term unsecured advances offered to borrowers mostly by private lenders and merchants. In most cases, the tenure of payday loans expires in 30 days, which effectively means that the loan is obtained to tide over an emergency need or an unpredicted situation.

The repayment of capital amount and interest of such loans have to be completed by the next payday from the date of borrowing. In some cases, the borrower gets the roll-over facility at an additional fee. The loan amounts are relatively small – in the range of $100 to $2,000.

CashNetUsa offers payday loans in the states of: Alabama, Alaska, California, Florida, Hawaii, Louisiana, Maine, Michigan, Minnesota, Nevada, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, Texas, Washington, and Wyoming.

Over the years, CashNetUsa login has become a convenient ‘click-and-access’ option for loan seekers. This is due to its features:

  • Quick remote access and rapid processing.
  • No restriction on the use of funds – one can use it for any purpose they want to.
  • No collateral needed – Payday loans are unsecured lendings, hence CashNetUsa does not ask for collateral on these loans.
  • Available to even individuals with poor credit score. This sympathetic outlook of the company is a blessing for the unfortunate ones who have not fared well financially or who have made some bad decisions but are ready for a second or third start and so on.

Installment loans

These loans are a larger version of payday loans. One can borrow greater amounts under this category, and the repayment schedule is also longer than the payday model. It can vary from a few months to a few years. The repayment is done in monthly, or in some cases, bi-monthly installments, and that is how the loan derives its name.

These loans cater to the planned financial requirements as opposed to the unplanned nature of payday borrowing. They are usually obtained as consumer loans and are utilized for a variety of personal, domestic or special occasion needs such as shopping for a wedding, purchase of white goods, or even house renovation. Yes, believe it or not, wedding loans are actually a thing people do to finance these events.. 

CashNetUsa caters to installment lending to individuals with potential repayment capacity. It offers its services in California, Delaware, Illinois, Mississippi, Missouri, New Mexico, Ohio, South Carolina, Texas, and Wisconsin.

Line of credit

This is the most expansive category of lending serviced by CashNetUsa.

Borrowing through a line of credit is characterized by the flexibility of borrowing and repaying. Under this loan concept, the lending institution, which is usually a bank or a private lender, establishes a maximum amount that a borrower can avail from his loan account.

This amount is determined by various criteria such as the borrower’s credit score, his average monthly income, his line of occupation, his history of borrowing and repayment, and more.

The borrower can conveniently avail the needed amount as per their need, just like an individual withdrawing money from their saving account. The interest is charged only on the borrowed amount and not on the entire amount sanctioned under their credit line.

The repayment is also flexible – the borrower can decide their tenure and amount of installment depending upon their projected financial standing. In stressed times, they can pay just the minimum amount determined by the lender.

The line of credit loans are the most favored instruments of borrowing because of the flexibility and ease of operation that they offer. They are ideal for individuals who possess planned and disciplined borrowing habits.

For residents of Alabama, Idaho, Kansas, Tennessee, Utah, and Virginia with a decent credit score, it is easily available by accessing the CashNetUsa login. The company has a very consumer-friendly approach toward this category of loans. Its customer support personnel attend to the line of credit requests promptly and efficiently.

All types of lending offered by CashNetUsa varies from state to state. For example, the maximum borrowing under payday loan in Alabama is $500, while the same in Nevada is $1,500. Likewise, in Ohio, the maximum installment loan amount is $2,400, but in Mississippi, it is $1,000. Loan applicants can check available loan amounts in their state through CashNetUsa login.

Scamming on the name of CashNetUSA

In the past few years, there has been hundreds of dishonest and mal-intentioned elements who are misusing the CashNetUsa name for scamming. They follow a very convincing way of communicating with the targeted individuals by telling them that they are calling on behalf of CashNetUsa and offer convenient and easy loans.

A scamming survey found out that some of these bold elements even say that the individual is CashNetUsa approved for a loan. Once the person falls for the trap, they are asked to deposit money in a prepaid card – it may be a Green Dot MoneyPak or a Vanilla card, or any other such instrument.

If the individual does this, requests for more money follow, under the pretext of loan processing fee, service charge, or other such false claims. In another method of scamming, the callers resort to threats, intimidation and physical harm, saying that the individual has failed to repay a CashNetUsa loan.

They even use the fear of legal action and police action if the person does not ‘pay up.’ Common law-abiding citizens who fear to be on the wrong side of the law, often fall prey to such ‘convincing’ language and tonality of the caller and deposit the money asked for.

However, people are cautioned that CashNetUsa is a leading professional money lending company in the United States.

It has a very strict and stringent customer service protocol and never adheres to the type of language, threats, and intimidation that the scammers use. To begin with, the company has enough business on its hands and does not need to solicit more of it through cold calls.

That is not the CashNetUsa way of promoting itself. It has a fairly organic growth pattern and does not engage in aggressive marketing methods. Hence, an alleged call from a ‘CashNetUsa representative’ is the most obvious sign of a scam call. It immediately exposes the caller’s mal-intentions.

In case any individual receives such scam calls, they should immediately report it to the Federal Trade Commission (FTC) or any other competent law enforcing agency, or to CashNetUsa. It is a shame white collar criminals such as this are not punished more severely.

Fact vs. fiction

While undertaking this review, it was found that there are scores of complaints and grievances against CashNetUsa for reasons such as overcharging, excessive interest, not being transparent in its disclosures about interest to be paid at the time of approving a loan, being harsh while reporting default in loan repayment, and more.

Although there are complaints against the company in all the three loan categories that it caters so, it was observed that the dissatisfaction is more prevalent in the payday loan category. On studying various such cases, it was found that CashNetUsa has a very well charted code of conduct.

It follows industry-leading practices for its entire loan processing lifecycle. It never goes off-track from this well-charted business process. In addition, the company’s staff and executives responsible for handling loan applications are thoroughly trained in the craft of customer care.

They are professional, knowledgeable and experienced people who are sympathetic towards people in need of short-term borrowing. Moreover, the senior management is always watchful about the conduct of their employees and comes down heavily upon unprofessional behavior.

We must opine that the loan processing procedure and business process of CashNetUsa is one of the best in the country. It is marked by professionalism, respect, and regard for the borrower, and ethical conduct has been exhibited. Had it been otherwise, CashNetUsa would not have achieved the success and scale of business that it has over the years.

In a fair assessment, it is found that often, in a rush to procure emergency funds, the customer either overestimates their requirement, misjudges their capacity to repay the loan, or does not pay due attention to the terms and conditions and repayment table displayed to them while applying for the loan.

To put it simply, since the need for funds is dire and urgent, the borrower often applies for more than what is actually needed and tends to overlook the payable interest and repayment aspects.

Apart from this, the fact remains that short-term unsecured borrowing carries a relatively heavier interest burden anywhere in the world. The view that CashNetUsa charges excessively for its loans, or that the company exploits people in need of emergency money, is inappropriate.

Besides, one must also keep in mind that CashNetUsa entertains loan requests from applicants with a poor credit score, as well as from those who have been refused credit elsewhere. Hence, the company partly hedges its lending risk through the interest structure.

Consumer Reputation

It’s important to get multiple perspectives when you’re researching big or small loan companies. That’s why we’ve included information from outside sources. We only use objective and authoritative review sources. This ensures you get the most accurate information possible.

Better Business Bureau

The BBB gives CashNet USA an A-. 16% of the customer reviews are positive. 4% of the customer reviews are neutral. 78% of the reviews are negative.

This might seem like CashNet USA doesn’t deserve an A- rating. However, when you’re looking at personal loan reviews, most reviews are negative. That’s because people rarely go out of their way to post good reviews of lenders. They only put up reviews with organizations like the BBB if they’re not happy.

The only government action against CashNet USA was recorded in 2015. The state of California charged that the company was using unlawful interest charges and fees.  


CashNet USA has a 4-star rating on yelp. However, it only consists of two reviews. It’s also not clear if these reviews are talking about the personal loan aspect of CashNet’s business. After all, the company provides many services. Things like credit repair services don’t reflect how good the personal loan options from CashNet USA are.

Consumer Affairs

Consumer Affairs gives CashNet USA 4 out of 5 stars. This rating is based on 220 customer reviews submitted in the past year. The reviews on the site are full of great things to say about the company. Lots of the reviews come from verified reviewers. That means you can trust them. The reviews talk about how CashNet USA helped them get the cash they needed on short notice.

The customer reviews also discuss other interactions with the company. Several reviews talked about how CashNet USA helped them when they had issues making their payment. On the whole, the reviews make CashNet USA seem like a great place to go for personal loans.

The CashNetUsa man – a friend in need

Perhaps the best representation of the CashNetUsa mission and ethos comes alive in the character of the CashNetUsa man, an imaginary ‘lending hero’ that the company has created to promote itself. Possessed with imagined superpower, the CashNetUsa man miraculously identifies and reaches out to the people in need of emergency funding.

He is a sympathetic and caring person who understands that every person faces financial challenges at some point in their lives. Acting as their savior, he shows them the way to easily and promptly access emergency funds through CashNetUsa login.

The CashNetUsa man – he is a friend in need of those in need of emergency money, with the slogan, “Money’s on the way.”


CashNetUSA is an online lending service for people who need cash advance loans quickly. Like other payday lenders, CashNetUSA allows people who even have bad credit to receive a loan, but it does come with some risks, such as high interest rates. We’ve answered some important questions below about CashNetUSA for those who are interested in using the service.

Important Information About CashNetUSA

CashNetUSA has been around for years, and it is one of the more well-known online lending platforms available. From how they check your eligibility for a loan to key people that work in the company, we’ve answered some questions below regarding CashNetUSA and how it works.

What is CashNetUSA?

CashNetUSA is an online lender that provides different types of loans for borrowers that need immediate funds. For small-principal loans, CashNetUSA can provide approval within minutes, depending on when a person applies.

Is CashNetUSA real?

CashNetUSA is a legitimate and real lending service designed to give people a sum of money quickly in the event of an emergency. Like many payday lenders, the service comes with high interest rates relative to other services.

Is CashNetUSA legit?

CashNetUSA is a legitimate lender that offers three types of loans. These loans are payday loans, installment loans and lines of credit. You must repay the principal and the interest within a predetermined period.

Where is CashNetUSA located?

CashNetUSA is in Chicago, Illinois. While there is a physical location, CashNetUSA is an online lender, and it is possible to use their services through their website and have the cash deposited into your account directly.

Is CashNetUSA safe?

CashNetUSA is a safe method to receive loans. While it is a legitimate and safe way to borrow money, it’s important to note the high interest rates that come with borrowing from CashNetUSA and the costs that come with using the service. They can be one of the best personal loan providers to those with lower credit.

Does CashNetUSA report to credit bureaus?

CashNetUSA does not report your loan transaction information to any of the three major credit bureaus. The lender does report to alternative credit bureaus, but they will not affect your credit score. Some consider them to be one of the best direct lenders for bad credit personal loans.

Does CashNetUSA help your credit?

CashNetUSA does not report your loan transactions to the three major credit bureaus, which means it doesn’t have an impact on your credit score. CashNetUSA does use alternative methods to see if you’re eligible for a loan. So this can be a viable short term loan bad credit option.

What kind of company is CashNetUSA?

CashNetUSA is an online lending service. If the service is available in your state, you can receive immediate funds for an emergency and are expected to pay off the loan on your next business day or within a short amount of time. Some people consider this the best place to get a personal loan with bad credit.

How does CashNetUSA work?

CashNetUSA works as an online lender. After applying for a loan, it will be approved or denied within a few minutes. If a loan is approved, the money will be transferred to your account as soon as the next business day.

Who owns CashNetUSA?

CashNetUSA is not an independent company. The lender is a part of Enova International, Inc., which is a publicly traded company. The current CEO of Enova International is David Fisher.

What states do CashNetUSA service?

Currently, CashNetUSA services the following states: Florida, Oklahoma, Michigan, Tennessee, Louisiana, Oregon, California, Nevada, Ohio, Alabama, Maine, Hawaii, Texas, Alaska, Rhode Island, North Dakota, Wyoming, Mississippi, Illinois, Delaware, Wisconsin, New Mexico, Virginia, Utah, Kansas, and Idaho.

Who is the CashNetUSA guy?

The person who commonly appears on the CashNetUSA commercials is Tim Heurlin who is also referred to as the CashNetUSA guy. To this date, there is no one else who is commonly used for CashNetUSA commercials. 

What kind of loans does CashNetUSA send out?

CashNetUSA is known for sending out payday loans, but the service also offers a line of credit and installment loans. The loans are available to customers depending on the state they’re in. There may be better options though if you're looking for secured loan bad credit options.

Who is CashNetUSA affiliated with?

CashNetUSA is a company owned by Enova International, Inc. There is no current list of affiliates from the company, but you can reach out to a CashNetUSA representative to find out who their affiliates are.

What is similar to CashNetUSA?

Many companies are like CashNetUSA that provide the same services. These companies include Cash Central,, Check City, and SWIFT to name a few. A Speed Cash loan is also similar in nature.

Is CashNetUSA legal at 299 interest?

Yes, while the interest rate is high, CashNetUSA is still a legal method of receiving money. It’s advisable to only take out a loan in emergencies and if you are certain you can cover the costs of the loan, including fees.

Is CashNetUSA no contract?

CashNetUSA is a contract between you and the lender where you agree to make payments in a timely manner. In the event you break that contract, CashNetUSA can use various methods to receive the funds.

Is CashNetUSA no credit check?

CashNetUSA does not check your credit. Instead, the lender checks your past financial history. If you’ve worked towards improving your financial situation, CashNetUSA may say you are eligible for a payday loan.

What is CashNetUSA business hours?

CashNetUSA is an online lender so you can apply for a loan at any time. If you apply for a loan and it is approved before 10:30 a.m. CT Monday-Friday, then the Application will be funded on the same business day.

Does CashNetUSA offer installment loans?

CashNetUSA does offer installment loans, but only in some states, such as New Mexico, Wisconsin, and Delaware. In areas where CashNetUSA doesn’t offer installment loans, they may offer other services, such as cash advances, payday loans or a line of credit. You may also want to check out Check n Go installment loans.

Can I get a second installment loan CashNetUSA?

While you can get multiple installment loans in some states, you may not be able to get them from the same lending institution. CashNetUSA will only allow you to get another installment loan after you’ve paid off the first one.

Applying for CashNetUSA

CashNetUSA is available to consumers in various states across the U.S. The lending service has different rules and fees based on your location. We’ve answered some important questions about applying for CashNetUSA and what information they may require for you to get approved.

What time does CashNetUSA deposit funds?

CashNetUSA usually takes a few minutes to approve applications. If the application is approved, there is a good chance that funds will be deposited during the next business day. To find out how long it will take your funds to deposit, contact a CashNetUSA representative. If you're looking for quick loans same day options then compare other options too.

Does CashNetUSA check credit?

CashNetUSA does not check your credit. Instead, the lender looks at elements of your financial history to see if you are eligible for a loan. CashNetUSA also does not report any information to the major credit bureaus. So this can be a great option for online loans with bad credit.

Do I need ID to apply for CashNetUSA?

In most instances, you won’t need ID to apply for CashNetUSA, but you may be required to provide some documents via fax or email if you reside within certain states or meet other specific criteria. Just complete the loan online application process.

Are there any promo codes for CashNetUSA?

There are promo codes available for CashNetUSA. These codes may not be usable under certain conditions, such as after a specific date or if you’re living in a state that doesn’t support the promo code.

What time does CashNetUSA open?

CashNetUSA is an online service, which means that it doesn’t have any set hours. If you do request 10:30 a.m. CT on a weekday, then you will most likely receive approval on your during the next business day.

Can two borrowers be on CashNetUSA?

Two people cannot apply for the same loan on CashNetUSA. Only one person can apply for each loan through the online lender. For more information, reach out to a CashNetUSA representative.

Will CashNetUSA loan to business bank accounts?

There is nothing that suggests CashNetUSA will not loan to business bank accounts. If you want to make sure CashNetUSA will deposit to your account, reach out to a CashNetUSA representative to find out before applying for a loan.

How does CashNetUSA verify my employment?

CashNetUSA uses the information provided in your application to verify your financial history and decide if you are eligible for a loan. To specifically find out how CashNetUSA verifies your employment, reach out to a representative.

How long does it take CashNetUSA to pay Chase bank?

If you apply for a loan before the close of business day and you’re approved, then the money for your CashNetUSA loan will be deposited into your account by the next business day.

How long does it take to get approved thru CashNetUSA?

Because CashNetUSA is an online lender, it only takes a few minutes to get approved through the service. The application process also only takes a few minutes, and money is deposited back into your account by the next business day. So these are easy fast loans.

How to put benefits on your CashNetUSA?

If you receive financial benefits, you can note them when you’re applying for a CashNetUSA loan. In most instances, if CashNetUSA requires the information, they will reach out to you and ask for specific documents.

Does CashNetUSA request your bank records?

CashNetUSA does not directly request your bank records, but it will check your financial history to see if you’re eligible for a loan. You do not have to have a high credit score to receive a loan.

Handling CashNetUSA Loans and Payments

As with all payday lenders, CashNetUSA allows borrowers to get cash within a day or two if they apply soon enough. While getting cash quickly is a benefit, there are also major consequences for missing payments on your loan. Below we’ve answered questions regarding paying off your loan and what happens if you miss those payments.

Will CashNetUSA call my employer?

In the event you don’t pay off your loan, CashNetUSA may call your employer. In most instances, CashNetUSA will send the entirety of the loan you owe to a collection’s agency, which will reach out to your employer.

How much interest does CashNetUSA charge?

You can expect to pay between $10 to $30 for every $100 you borrow with CashNetUSA. These fees are either flat fees or APRs, depending on the state you’re in, but they end up being the same. If you're looking for personal loans low interest options then you'll need to look at other companies.

How long does it take CashNetUSA to process a payment?

CashNetUSA applies any payment made by check or money order as of the date it is received. All payments must be received by 5 p.m. CST on each due date for it to be on time.

Can CashNetUSA garnish my wages?

CashNetUSA can garnish your wages, but only in very specific cases. You must miss out on your payments, and the court must then allow CashNetUSA to garnish your wages before the process can begin.

Has anyone not paid back CashNetUSA?

Due to the high interest rates of payday loans, there may be a situation where some people have not paid back CashNetUSA. Like many lenders, CashNetUSA does provide people with multiple repayment options.

Can you pay down CashNetUSA early?

CashNetUSA loans are typically short-term, which means that the full payoff amount is due on your next payday. If you have an installment loan, you can pay off the installments early, which may reduce your loan fees.

Will CashNetUSA sue me?

CashNetUSA does have the right to sue you in situations where you don’t make the agreed payments on your loan. In most cases, the lender will send your loan to a collection agency.

How to get out of a CashNetUSA loan?

If you wish to get out of a CashNetUSA loan, you must pay off the loan in its entirety. If you’ve received the loan, but you haven’t spent the money yet, you may be able to return it and get out of the loan without having to pay interest.

Can I pay off a loan in full CashNetUSA?

Yes, you can pay off your loan in full at CashNetUSA. If you do pay off the entirety of your loan, you may receive a refund for a portion of your loan fees.

Does CashNetUSA call employer?

CashNetUSA does not call your employer or check your credit for approval on a loan. If you don’t make your payments for an extended period, a collection agency may reach out to your employer.

How long does it take to get cash from CashNetUSA?

Applying for a CashNetUSA loan takes a few minutes and applications are either approved or denied in a few minutes as well. If your application is approved, you can receive cash by the next business day.

What happens if you don’t pay CashNetUSA?

If you default on your CashNetUSA loan, you will have to pay late fees and the lender may even send you to collections. If a collection agency has access to your threat, they will contact you until they receive it.

Can 1-800-new-rate help me with my CashNetUSA?

1-800-new-rate is a service that helps people get out of high interest title loans. To specifically find out if the service can help you with your CashNetUSA loan, reach out to them directly.

Can CashNetUSA take money from your bank?

If you agreed to have automatic withdrawals from your bank, then CashNetUSA can take money from your bank account. You can request your bank to stop the payment on the loan if you reach out to them at least three business days before the transaction.

What is the charge per 100 CashNetUSA?

The charge for $100 borrowed from CashNetUSA is $10-25, which doesn’t include any existing flat fee that may be in your state. These fees are for payday loans, but other loans have different charge amounts.

What is CashNetUSA interest rate?

CashNetUSA has a 299% interest rate. These interest rates vary based on your state’s regulation and limitations. For example, new customers can borrow up to $1,000 with the previously mentioned interest rate. You may like Citizens One personal loans too if that interest is too high for you.

How to remove ACH on CashNetUSA?

You can call a CashNetUSA representative or change your payment information through the website. If you want to stop an automatic payment, you can reach out to your bank and request them to stop the loan as well.

Robert is our in-house expert on personal loans and finance. He got an MBA, specializing in Finance, before joining the workforce. After working for multiple Fortune 500 companies in the past decade, he brings a wealth of knowledge and experience to the table.