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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Cash Factory USA


About lender

Cash Factory USA is a short-term lender that offers both payday and installment loans. It was founded in 2012 and is headquartered in Las Vegas, Nevada.

The mission of the company is to provide financial products and high-quality service. Cash Factory helps clients to choose the most appropriate loan option. It's known for its transparency and lenient payment terms. The borrowers can apply online on the website and get acquainted with loan costs and additional fees.

Cash Factory USA has locations only in several states. So, you can get installment loans and payday loans if you live in California, Delaware, Idaho, Missouri, Nevada, Texas, Utah, and Wisconsin.

Pros and cons


  • Quick application process

  • Safety of customers' personal information

  • Available customer service through chat, phone, or email

  • Transparent fee framework

  • Borrowers ‌can cancel their loans and not to pay fees

  • Borrowers can use both website and mobile app

  • The loan approval process and receiving funds are usually fast.


  • High APRs

  • The lender operates only in eight states

  • Loan amounts are low

  • Limited information about the lender.

Borrowers can use a loan cancellation. They are able to return their loans without paying any fees. For that, contact the Cash Factory within 1-3 days after signing their loan documents, depending on the state where they live. Cash Factory USA is a member of the Community Financial Services Association of America (CFSA).

Even if the actual finance fees are not very high, it may still translate into an APR well over 500%. Sometimes annual percentage rates of borrowers can reach 3,647.08%. The company doesn't provide information about itself on the website. It provides information about licenses in different states. So, it is hard for borrowers to learn information about the loans.

Terms and conditions

Cash Factory USA offers two loan types:

Payday loans

A payday loan is a small short-term loan, the amount of which usually ranges from $100 to $1,000. Cash Factory USA offers this type of loan to help people pay their immediate expenses. Before applying for payday loans, borrowers need to keep in mind that they have to pay their loans back on their next payday. A payday loan isn't a long-term solution to solve your financial problems, and rates and terms typically vary depending on the state. There are both payday and installment loans in some states, but only one loan option is available in other states. Payday loans are available in such states as California, Nevada, and Texas.

For example, if you are a resident of California, your maximum loan amount will be $255, and your loan term cannot be longer than 31 days. If your loan amount is $100 and the loan term is 31 days, then your APR will be 207,6968%. Scheduled payback and finance charges will be $117.64 and $17.64 accordingly. If you want to borrow $200, then your finance charge will be $35.28, and the scheduled payback will be $235.28. If you want to learn more details about payday loan terms in California, ‌go to the Cash Factory USA website.

If you live in Nevada, you need to know some requirements for payday loans in your state. You can borrow money from the range of $100 to $1,000, and the term of your loan cannot exceed 35 days. Also, you must have an open and active checking account and provide proof of your income when you apply for a loan. For example, if you borrow $100 and your loan term is 28 days with weekly payments, then your APR will be 325.6321%. The finance charge and the scheduled payback will be $24.98 and $124.98 accordingly.

Online payday loans in Texas vary from $100 to $1,500. The loans are typically repaid on the next payday. Cash Factory USA is licensed as a Credit Access Business (CAB). As a CAB, Cash Factory USA cannot be a lender. But it can help borrowers to receive a loan from another payday lender. Also, the company assists the borrower in preparing and completing all documents required by the lender and helps to process the borrower's loan proceeds. CAB fee for $100 is 24.98, and $1000 is $249.80.

Installment loans

Installment loans are also small loans. As payday loans, their amount varies from $100 to $1000 depending on the state where the borrower lives. The major difference is the loan term. The installment loans are longer, and Cash Factory USA allows borrowers to pay back these loans for several months. They are also designed to cover short-term financial needs.

The company offers installment loans in Delaware, Idaho, Missouri, Nevada, Texas, Utah, and Wisconsin. Borrowers have more time to pay back their loans, and the application process is fast. Requirements for installment loans also vary from state to state.

Installment loans are offered for qualified borrowers in Delaware. If you are a resident of this state, you can borrow the amount of money, no more than $1,000, and your loan term is between 120-180 days. For example, if your loan amount is $300 and the loan term is 164 days with semi-monthly payments, then you need to pay 11 times, and your APR will be 542.5900%.

If you need financial help and live in Idaho, you should know that the minimum loan amount in the state is $100, and the maximum loan amount is $1,000. Installment loans in Idaho have the same loan terms as in Delaware (120-180 days). For example, if your loan amount is $1,000 and the loan term is 171 days, the total payments will be $2,914.29 with 542.1347 APR. You can get acquainted with installment loan fee schedules and APRs on the Cash Factory USA website.

If you need money and live in Missouri, you ‌can qualify for an installment loan online. But you also need to know some things. For example, you can borrow only up to $1,500, and the loan term of installment loans in your state ranges from 6 to 18 months. Also, you must have an open checking account. If your loan amount is $1,500 and the repayment period is 18 months, your total amount will be $7,873.23 with 342.9700% APR. The number of payments, in this case, is 36 times.

If the borrowers are residents of Nevada State, they can borrow from $100 to $1,000 or the combination of principal and fees that equals 25% of their gross monthly income. Here, the loan term cannot be over 90 days. Also, they must provide proof of their income when applying for installment loans according to the law of Nevada. If you decide to borrow $500, and your loan term is 87 days, then your total amount will be $961.37, with 541.0741% APR.

If you live in Texas, your maximum installment loan amount can be $1,500, and loan terms vary from 120 to 180 days. For example, if you borrow $300 and the loan term is 167 days, then your total amount will be $983,6868, with 679.2991% APR.

For Utah residents, the maximum loan amounts cannot be higher than $1000. The loan terms also vary from 120 to 180 days. If you borrow $1000 and pay your loan monthly, your total loan amount will be $2,691.00% with 552.3329% APR.

In Wisconsin, people are allowed to borrow an amount of money that doesn't exceed $1,500. The loan terms range from 6 to 18 months.

Funding a loan

Cash Factory USA approves its loans are by 8:30 a.m. Pacific Time. The borrowers will ‌receive their money on the same business day. However, there are cases when clients receive their funds on the next business day. To learn more detailed information about this, borrowers can ask one of Cash Factory's representatives.

If borrowers get in touch with the team within 1-3 days after getting the funds, they can return the sum paying no fees.

Cash Factory USA works from Monday to Friday, 6:00 a.m. to 7:00 p.m. PST and on weekends from 6:00 a.m. to 6:00 p.m. PST.


Where is Cash Factory USA located?

Cash Factory is located in Las Vegas, Nevada. It offers loans in eight states: California, Delaware, Idaho, Missouri, Nevada, Texas, Utah, and Wisconsin. 

Is Cash Factory USA legitimate?

Yes, Cash Factory is a legitimate lender. It is licensed in the states it offers loans and has an A rating with BBB. However, it is not BBB-accredited.

How long does Cash Factory USA review my application?

If Cash Factory USA receives and verifies your information before 4:30 p.m. PT, you will receive your loan funds as soon as the next business day. But if you're not approved, you may have to wait 30 days before you're eligible to apply again.

How much can I borrow from Cash Factory USA?

The maximum loan amount depends on the state where the borrower lives. But usually, the clients can borrow from $100 to $1,000.

Can Cash Factory USA sue me?

If you don't pay back your loan regularly, then Cash Factory USA can cooperate with the collection agency. If it doesn't help, the company has a right to go to civil court. Thus, Cash Factory USA can sue you if you don't make your payments and violate the loan agreement.

Company documents

Rates & Terms
Licenses & Registrations

Our mission is to provide innovative financial products and high-quality service delivered with friendliness, individual pride, and company spirit that creates value for our customers and team members.

© Cash Factory USA

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What to focus on before applying for a loan with Cash Factory USA

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Cash Factory USA and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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