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Казахстан
Lender
Rating by Finanso®
i

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.

4.8

CashNetUSA

Advertiser Disclosure

About company

CashNetUSA is America's major online lender for fast loans. It works in Wisconsin, Ohio, Oklahoma, and New Mexico. Consumers receive the cheapest online loans from a wide selection of loan offers free of charge and within seconds. Customers benefit from an independent and personal loans, which can qualify the best loan offers for them with the best conditions. In addition, customers receive free telephone advice from independent credit experts from CashNetUSA on request.

Depending on your location or the state you live in, the loan amounts available will be different. The term of the installment loans can be freely chosen from 6 to 24 months. Cash withdrawals are possible on the same business day.

CashNetUSA was founded in 2004 on an online platform by CEO AI Goldstein. The company is a subsidiary of Nova International, Inc.

Pros and Cons

Pros

  • Easy application process. You can make an online application without visiting the office.

  • Every citizen may receive a loan having other debts or bad credit history.

  • The ability to quickly approve and receive cash. CashNetUSA aims to give credit to every person who turns to them for help. Using a special alternative check, even someone with a terrible credit history can get a loan from CashNetUSA.

  • Financial literacy education for citizens. The online lender provides access to its exclusive programs and training courses on finances. They will help people to lead their lives profitably and without risks.

  • Trust earned over the years. Since 2004, CashNetUSA has been issuing personal loans to US residents. Today it is about 4 million people. The online lender is part of Nova International, Inc.

Cons

  • Very high-interest interest rates. It sometimes gets as high as 805.28%.

  • The loan rate varies depending on your location.

  • CashNetUSA loans are not available in all 50 states but only in 29.

  • CashNetUSA's payday loans are offered in Louisiana, Alabama, Alaska, California, Florida, Maine, Michigan, Minnesota, Nevada, North Dakota, Oklahoma, Oregon, Rhode Island, Wyoming, & other states that have various loans or no loans.

Terms and Conditions

The loan amount depends on which state you are in. Usually, payday loans are provided in the amount of $100 to $600. Installment loans and credit lines range from $100 to $3,500. The company loans are provided with very high-interest rates, from 85.00% per annum to 805.28% per annum. These high-interest rates can make your loan very costly.

Funding a Loan

The company offers a credit line that allows customers to send money to their bank account within the available credit line limit. Once your credit line is approved, you won't have to reapply every time. You can request money from your credit line until you reach your credit limit. Even if you have a bad credit score, you can still be eligible for a line of credit.

The company's credit line can be an emergency account or a safety net if you get into a difficult financial situation. Keys and reasons for faster repayment of loans:

  • Develop a strategy or plan before getting a loan and make an emergency plan.

  • Limit the number of credits you receive and focus on paying them back.

  • Use extensions to repay loans and pay in installments.

  • Use alternative payday loans with low fees.

  • Pay double or triple if you can to pay off loans and save hundreds or thousands.

  • If you can't pay, use extensions twice and pay as much as you can until you are in a better financial position to pay more.

  • It's a process, but if you plan correctly, you'll be able to repay your loans.

CashNetUSA

FAQ

What is CashNetUSA?

Since 2004, we have been striving to provide hardworking people with the funds they need. We are an online lender that offers financial products, payday loans, installment loans, and lines of credit that can help you save the day when unexpected expenses arise.

How much interest does CashNetUSA charge?

CashNetUSA has high interest rates ranging from 85.00% to 805.28%.

Is CashNetUSA trustworthy?

Yes. The company warns that there are fraudulent and borrowing sites, services, companies, and businesses that use a similar website template, stolen personal data, and filenames to use data for criminal purposes. CashNetUSA prevents that with its technologies.

Company documents

Rates & Terms
Terms of Use
CCPA Privacy Policy
Privacy Policy
Opt-Out Request

Since 2004, we’ve been dedicated to providing hardworking people with the funds they need fast.

© CashNetUSA

Financial products

CashNetUSA
Online Loan
Rating by Finanso®
i

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.

4.84
Recommended FinScore™
0
300
650
1000
up to $3500
Rate
i

Effective interest rate on the product

up to 805.28%
Term
i

Loan term for the financial product

up to 24 months

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Effective interest rate on the product

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Calculate loan payments in CashNetUSA

CashNetUSA calculator will allow you to calculate an approximate payment schedule for the loan

CashNetUSA calculator
Interest rates are given in accordance with the rates of the CashNetUSA of 25.11.2022
Loan amount
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Enter the desired loan amount

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Loan term
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Specify the loan term for the calculation

months
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6
24
State

What to focus on before applying for a loan with CashNetUSA

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 CashNetUSA 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 CashNetUSA’s reviews by november 2022
Leave feedback
1 reviews
Online Loan Go
5
Advantages
It is not always possible to meet your budget with unforeseen expenses, so you have to turn to creditors for financial assistance. The plus of such a microloan is that you pay for a short period of time, although the longer you use the more expensive it costs, but I like this option more in comparison with long-term loans. A lot of documents are not required for registration, everything happens quite quickly and you can get a decent amount, the main thing is that you are solvent and have the opportunity to repay the entire debt without hindrance. Delay should not be allowed, besides, it is possible to prolong the contract up to 3 times
Complain
1 reviews
Online Loan Go
5
Advantages
It is not always possible to meet your budget with unforeseen expenses, so you have to turn to creditors for financial assistance. The plus of such a microloan is that you pay for a short period of time, although the longer you use the more expensive it costs, but I like this option more in comparison with long-term loans. A lot of documents are not required for registration, everything happens quite quickly and you can get a decent amount, the main thing is that you are solvent and have the opportunity to repay the entire debt without hindrance. Delay should not be allowed, besides, it is possible to prolong the contract up to 3 times
Disadvantages
No
Complain
1 reviews
Online Loan Go
5
Advantages
The service offers microloans for up to two years, the interest rate is high, but the approval rate is high, according to the minimum set of documents, it is possible to receive money immediately after registration with a positive decision. It is available to use the services from the age of 18, so there are no problems with obtaining. Since there are a lot of scammers at the moment, I preferred to switch to the mobile application, everything is in the palm of my hand and it is always at hand, there are a lot of useful things in it and you will not miss an important notification due to push notifications. For me, there is a need to use this service, besides, this lender has been working for several years, which inspires confidence
Disadvantages
No
Complain
1 reviews
Online Loan Go
5
Advantages
An easy way to find money, for this there is no need to go to the bank and wait there for the decision on the application. Initially, you need to register on the site, after which a form will open to fill in the data on the loan itself. Approval takes place quickly after which the funds are credited to your current account. Repayment is available in different ways, it is important to do it in a timely manner and if you do not have time to do it by the deadline, it is better to extend the deadline, the company provides this opportunity three times for one product. Everything is quite good, you can use the services when there is a need.
Disadvantages
No.
Complain
1 reviews
Online Loan Go
4.2
Advantages
I am a user of this service, I sometimes have to resort to micro-loans, but I try not to do it so often, because I have to return the interest in any case. I have an application installed and in it you can not only make a payment or get acquainted with the information under the contract, but also have the opportunity to get a free coupon or even get an invitation to a free financial course. It is not possible to use the lending service in every state, but I was lucky, I already trust the service and take money only from them, because they provide decent services and after signing the contract, the conditions do not change
Disadvantages
No
Complain
Overall company rating
4.8
/ 5
5 reviews
Execution of an application
4.8
Support service
5.0
Mobile app
4.8
Service quality
5.0
Your satisfaction level
4.6

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