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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 Link USA


About lender

Cash Link USA is an authorized lender that has been in business since 2017, with headquarters in Kansas City, United States. The company provides various personal loan solutions to its customers, such as a personal line of credit and installment loans. They are a nationally recognized private cash online and short-term lender of choice in states of Kansas, Missouri, Tennessee, Texas, and Wisconsin.

A bad credit score will not affect your ability to borrow money. They strive to make financial products and services affordable to as many individuals as possible. Thus, it would be best to choose an equal payments’ plan within your means and without overextending yourself. Cash Link USA also uses cutting-edge underwriting technology that allows them to analyze your application and make a credit assessment quickly. You'll earn the funds in your account the following business day if approved.

Pros and cons


  • Quick funding process

  • Offers installment loans and a personal line of credit

  • No prepayment penalties

  • Easy online application

  • Available in states of Kansas, Missouri, Tennessee, Texas, and Wisconsin

  • A good option for individuals with a bad credit rating.


  • Not accessible in all states

  • Fees and amounts vary depending on the state

  • Not for long-term financial needs.

Being aware of your financial situation is critical for getting a personal loan. Cash Link USA is committed to working with you to ensure that their financial solutions work and eventually help you improve your financial circumstances. However, it would be best if you still weighed the pros and cons of each personal loan before making a final decision.

Terms and conditions

Cash Link USA allows customers to have only one loan at a time. They want to serve you again if the need arises after you have paid off your loan in full. The company imposes a flat rate APR in compliance with the regulations of the state in which you live. Your credit information will be obtained from a variety of databases and credit information providers. However, they do not have a hard pull that would affect your FICO score.

In most cases, the minimum term is 120 days. The maximum period is eight months. Your loan agreement will detail the actual cost, terms, and conditions of your loan. Cash Link USA has different terms and conditions that vary in the states of Kansas, Missouri, Tennessee, Texas, and Wisconsin.

Kansas and Tennessee

First-time borrowers are eligible for a $1,000 personal loan from Cash Link USA. When you find yourself in a financial bind in states of Kansas and Tennessee and need cash online quickly, an online personal loan from Cash Link can be a helpful alternative to traditional payday loans and lenders. Loans secured by a personal line of credit are not the same as payday loans. You are not required to compensate for the entire principal and interest on your next payday; instead, you can repay the money borrowed throughout a specific period.

The states of Kansas and Tennessee law regulate the terms of Cash Link USA's various lending agreements. You must fill out an online application for a personal line of credit once, and then you are free to withdraw money up to the maximum of the credit you have available. You will be responsible for paying back the principal and interest rate.

You can withdraw up to your available credit limit without submitting a new application. Every equal payment’s cycle must include a minimum payment, which must be at least $5 or 2% of the principal balance that is currently owed on the account.

When you take out loans for a personal line of credit, the minimum equal payments amount is determined by adding the principal and interest rate accrued throughout your billing cycle. The figures may shift from one equal payment to the next. As a result, the minimum payment amount varies from period to period.

Missouri and Wisconsin

Cash Link USA aims to assist states of Missouri and Wisconsin individuals that require emergency cash online. The minimum duration available is 120 days up to eight months. For instance, you have a $750 loan that you must repay over eight bi-weekly equal payments. You will have an annual percentage rate of 780%. Cash Link's application process is simple, and if they approve you, you can get your money in just a few days. After getting a loan, most people get the cash online they need the next day.

Missouri residents can also apply for loans using Cash Link. It will minimize financial strain and help you handle equal payments and other tasks. On the other hand, Cash Link in Wisconsin offers personal loans for debt consolidation, auto/motor bills, large purchases, medical/dental expenses, and home improvements.


You can use personal loans or installment loans with set interest rates for various purposes. If you are authorized, you will receive the appropriate amount of money and repay it in fixed amounts over a defined period. Cash Link USA is a Texas Credit Services Organization licensed as a Credit Access Business (CAB). The Texas Finance Code mandated the state of Texas to disclose cost estimates to all residents applying for a $100, $500, or $800 loan for two weeks. The maximum duration is 180 days. While each loan and situation are different, applying for cash online should take 24-48 hours.

Funding a loan

Cash Link USA is a nationally recognized personal cash lender and the preferred short-term lender in Kansas, Missouri, Tennessee, Texas, and Wisconsin. It provides both a personal line of credit and installment loans in the following states. Their online loan application procedure is quick, and they finish most loans in as little as 15 minutes.

Installment loans

You borrow a specific amount of cash online and then repay it monthly with installment loans. Cash Link USA will notify you of the installment loans’ period when it is issued. One of the most attractive features of this loan is that the interest rate and APR are set throughout the repayment period. It is distinct from revolving debt, such as credit card debt, which frequently varies over time. Cash Link provides repayment time alternatives based on the quantity of the loan and your needs. Their purpose is to assist you in budgeting the amount that you must make each month. They will assist you in avoiding late payments and other complications.

Complete the online application or contact the Cash Link USA customer service team to get installment loans. They will need personal information, employment information, and financial information. It allows the company to make a quick decision on your loan. After you have completed your application, they may ask you to answer specific identity questions. Once this is achieved, they can discuss your financing choices with you. You can electronically sign the documents and receive the cash in your account. The purpose of Cash Link is to make the entire procedure as straightforward and stress-free as possible to assist you in obtaining the cash online you require when you require them.

Personal line of credit

Personal lines of credit offer easy access to the money you need when you need it. A revolving personal line of credit provides you access to cash online as and when you need it, rather than a one-time sum of cash online. You must repay your principal and interest. It will not affect your credit limit until you have repaid your principal and interest. The application process for Cash Link USA is fast and straightforward. When you apply, you'll need to provide personal information like your name, address, phone number, email address, and financial data like your gross monthly income and checking account balance. A personal line of credit application is based on this information.


How much can I borrow from Cash Link USA?

Cash Link USA allows first-time borrowers to get a loan of up to $1,000.

How long does it take Cash Link USA to approve a loan?

After submitting your personal loan application online, you can gain approval for a personal loan within 15 minutes, provided that Cash Link USA has received all the information they want from you. They will transfer the funds to your account on the following business day.

When will I receive Cash Link USA funds?

After completing the online application, Cash Link USA will check some of the information you supplied with your current or previous employers. If everything looks good, you will accept your loan, and they will pay the money into your account the following business day.

Can I apply for a Cash Link USA loan with bad credit?

Even if you have bad credit ratings, Cash Link USA won't let that stop you from borrowing money. They do not have particularly stringent restrictions. Your application will have a better chance of being accepted if you provide your personal information and appropriate identification documents, at the very least.

What is the term of the Cash Link USA loan?

When used consistently, getting a payday loan can be a pricey solution to your financial problems. The interest and fees may be significantly higher sometimes than an installment loan through Cash Link. You will ‌obtain the emergency finances you require, with costs and fair interest rates, and you ‌repay the loan over ‌nine months.

Company documents

Terms and Conditions
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When you do business with us, you can trust that you will be treated fairly by a reputable company.

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What to focus on before applying for a loan with Cash Link 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 Link 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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All Cash Link USA’s reviews by September 2022
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