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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 lender

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 Enova International, Inc.

Key Features

  1. Quick Funding. CashNetUSA claims to offer quick funding, with money being deposited into the borrower's account as soon as the next business day.
  2. Easy Application Process. The company has a simple online application process, with a fast decision and easy-to-understand terms.
  3. Flexible Repayment Options. CashNetUSA offers flexible repayment options, including bi-weekly or monthly payments.
  4. Bad Credit Accepted. The lender accepts applicants with bad credit, making it a good option for those who might not qualify for a traditional loan.
  5. No Hidden Fees. CashNetUSA states that they do not charge any hidden fees or prepayment penalties.
  6. Secure Online Platform. The company uses encryption technology to keep customers' personal and financial information safe and secure.
  7. Nationwide Availability. CashNetUSA is available in most states across the US, providing access to its lending services for a wide range of consumers.

Pros and сons

Pros

  • Easy Application Process. The online application process is simple and straightforward, making it accessible to a wide range of borrowers.
  • Flexible Repayment Options. CashNetUSA offers flexible repayment options, allowing customers to choose the option that works best for their financial situation.
  • Bad Credit Accepted. The lender accepts applicants with bad credit, providing access to lending services for those who might not qualify for traditional loans.
  • No Hidden Fees. CashNetUSA claims to have no hidden fees or prepayment penalties, making it transparent and predictable for borrowers.
  • Quick Funding. 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

  • High Interest Rates. The interest rates on loans from CashNetUSA can be high compared to other forms of credit, making it an expensive option for some borrowers. It sometimes gets as high as 805.28%.
  • Short Loan Terms. The loan terms offered by CashNetUSA are often relatively short, which can result in high monthly payments for some borrowers.
  • Risk of Overindebtedness. If borrowers are not able to repay their loans in a timely manner, they may end up taking out multiple loans or rolling over their existing loan, which can result in a cycle of debt.
  • Limited Availability. CashNetUSA is not available in all states, which may limit access to its lending services for some consumers. The loan rate varies depending on your location. CashNetUSA loans are not available in all 50 states but only in 29.
  • Legal Restrictions. Payday lending is regulated differently in each state, and CashNetUSA may be subject to certain legal restrictions in certain areas. CashNetUSA's payday loans are offered in Louisiana, Alabama, Alaska, California, Florida, Maine, Michigan, Minnesota, Nevada, North Dakota, Oklahoma, Oregon, Rhode Island, Wyoming and other states that have various loans or no loans.

Products

  1. Payday Loans. Short-term loans that are typically due on the borrower's next payday. These loans are meant to cover unexpected expenses or emergencies.
  2. Installment Loans. Longer-term loans that are repaid in multiple payments over a set period of time.
  3. Lines of Credit. An open-ended loan that allows customers to borrow up to a certain limit and make repayments over time. This type of loan offers more flexibility than a payday or installment loan.

All of CashNetUSA's products are intended to provide fast access to funds, with a quick and simple application process. Loan amounts and repayment terms vary depending on the product and the state in which the borrower lives. It's important for customers to carefully review the terms and conditions of their loan agreement before accepting any loan from CashNetUSA.

Reliability

CashNetUSA is a well-established online lender that has been in business for over a decade. The company has a good reputation for providing fast access to funds and an easy application process, making it a popular choice among consumers who need quick access to cash.

However, as with any lender, it's important to carefully consider the terms and conditions of a loan before accepting it. The interest rates and fees associated with CashNetUSA's loans can be high compared to other forms of credit, and borrowing from the company can result in a cycle of debt if borrowers are not able to repay their loans in a timely manner.

It's also important to note that payday lending is subject to different regulations in each state, and CashNetUSA may not be available in all areas. Before accepting a loan from CashNetUSA, it's a good idea to research the laws and regulations in your state and carefully consider your ability to repay the loan.

Overall, CashNetUSA is considered a reliable lender for those who need quick access to cash, but it's important to consider the risks and responsibilities of borrowing from the company.

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.

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.

CashNetUSA vs OppLoans

CashNetUSA and OppLoans are both online lenders that offer short-term personal loans. However, there are some key differences between the two:

  • Interest rates. OppLoans generally has higher interest rates compared to CashNetUSA. This is because OppLoans typically lends to borrowers with less-than-perfect credit who may be considered high-risk.
  • Loan amounts. CashNetUSA offers smaller loan amounts, typically up to $1,000, while OppLoans offers loans up to $5,000.
  • Loan terms. CashNetUSA loans have shorter repayment terms, typically ranging from 7 to 35 days, while OppLoans loans have longer repayment terms, ranging from 6 to 36 months.
  • Requirements. Both lenders have different requirements for loan eligibility. CashNetUSA may require a higher minimum income, while OppLoans may require proof of income and a checking account.

Ultimately, the choice between CashNetUSA and OppLoans will depend on the borrower's specific financial needs and credit history. Before applying for a loan, it's important to carefully consider the terms and rates offered by both lenders to ensure that you choose the one that's right for you.

CashNetUSA vs Check Into Cash

CashNetUSA and Check Into Cash are both online lenders that offer short-term personal loans. Here are some key differences between the two:

  • Loan amounts. CashNetUSA offers smaller loan amounts, typically up to $1,000, while Check Into Cash offers loans up to $1,500.
  • Loan terms. CashNetUSA loans have shorter repayment terms, typically ranging from 7 to 35 days, while Check Into Cash loans have longer repayment terms, typically ranging from 14 to 30 days.
  • Requirements. Both lenders have different requirements for loan eligibility. CashNetUSA may require a higher minimum income, while Check Into Cash may require proof of income and a checking account.
  • Availability. Check Into Cash has physical locations in addition to its online services, while CashNetUSA is an exclusively online lender.
  • Interest rates. Both CashNetUSA and Check Into Cash charge high interest rates, with CashNetUSA having slightly higher interest rates.

Ultimately, the choice between CashNetUSA and Check Into Cash will depend on the borrower's specific financial needs and credit history. Before applying for a loan, it's important to carefully consider the terms and rates offered by both lenders to ensure that you choose the one that's right for you

CashNetUSA vs ACE Cash Express

CashNetUSA and ACE Cash Express are both online lenders that offer short-term personal loans. Here are some key differences between the two:

  • Loan amounts. CashNetUSA offers smaller loan amounts, typically up to $1,000, while ACE Cash Express offers loans up to $2,500.
  • Loan terms. CashNetUSA loans have shorter repayment terms, typically ranging from 7 to 35 days, while ACE Cash Express loans have longer repayment terms, typically ranging from 1 to 12 months.
  • Requirements. Both lenders have different requirements for loan eligibility. CashNetUSA may require a higher minimum income, while ACE Cash Express may require proof of income and a checking account.
  • Availability. ACE Cash Express has physical locations in addition to its online services, while CashNetUSA is an exclusively online lender.
  • Interest rates: Both CashNetUSA and ACE Cash Express charge high interest rates, with ACE Cash Express having slightly lower interest rates compared to CashNetUSA.

Ultimately, the choice between CashNetUSA and ACE Cash Express will depend on the borrower's specific financial needs and credit history. Before applying for a loan, it's important to carefully consider the terms and rates offered by both lenders to ensure that you choose the one that's right for you.

CashNetUSA vs Speedy Cash

CashNetUSA and Speedy Cash are both online lenders that offer short-term personal loans. Here are some key differences between the two:

  • Loan amounts. CashNetUSA offers smaller loan amounts, typically up to $1,000, while Speedy Cash offers loans up to $1,500.
  • Loan terms. CashNetUSA loans have shorter repayment terms, typically ranging from 7 to 35 days, while Speedy Cash loans have longer repayment terms, typically ranging from 7 to 30 days.
  • Requirements. Both lenders have different requirements for loan eligibility. CashNetUSA may require a higher minimum income, while Speedy Cash may require proof of income and a checking account.
  • Availability. Speedy Cash has physical locations in addition to its online services, while CashNetUSA is an exclusively online lender.
  • Interest rates. Both CashNetUSA and Speedy Cash charge high interest rates, with CashNetUSA having slightly higher interest rates compared to Speedy Cash.

Ultimately, the choice between CashNetUSA and Speedy Cash will depend on the borrower's specific financial needs and credit history. Before applying for a loan, it's important to carefully consider the terms and rates offered by both lenders to ensure that you choose the one that's right for you.

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.

Who owns CashNetUSA?

CashNetUSA is a subsidiary of Enova International, Inc., a publicly traded financial technology company. Enova International was founded in 2004 and is headquartered in Chicago, Illinois.

How Do you Qualify For CashNetUSA loan?

To qualify for a loan from CashNetUSA, you generally need to meet the following eligibility criteria:

  • Age. You must be at least 18 years old.
  • Residency. You must be a resident of the state where you are applying for a loan.
  • Income. You must have a steady source of income, such as a job or government benefits.
  • Banking. You must have an active checking account in your name to receive your loan funds.
  • Identification. You must provide a valid government-issued photo ID, such as a driver's license or passport.

It's important to keep in mind that these requirements may vary by state and by the type of loan you are applying for. Additionally, some other factors, such as your credit history, may also impact your eligibility for a loan from CashNetUSA. Before applying, it's a good idea to review the specific eligibility criteria for the loan product you're interested in and to make sure you meet all of the requirements

How Much Can You Borrow From CashNetUSA?

The amount you can borrow from CashNetUSA depends on various factors, including your state of residence, income, and credit history. In general, loan amounts from CashNetUSA range from $100 to $1,000, with repayment terms that typically range from 7 to 35 days.

It's important to keep in mind that CashNetUSA is a lender of short-term personal loans, which typically come with high interest rates. It's important to only borrow what you need and can afford to repay, and to carefully consider the terms and rates offered by CashNetUSA before applying for a loan. CashNetUSA has high interest rates ranging from 85.00% to 805.28%.

Does CashNetUSA Approve Everyone?

CashNetUSA does not approve everyone who applies for a loan. The lender uses a variety of criteria to assess loan applications, including the borrower's income, credit history, and state of residence. Some applicants may not be approved due to poor credit history, low income, or other factors that indicate they may not be able to repay the loan on time.

It's important to keep in mind that CashNetUSA is a lender of high-cost, short-term personal loans, and that not everyone may be eligible for a loan from the company. Before applying for a loan, it's a good idea to review the specific eligibility criteria for the loan product you're interested in, and to make sure you meet all of the requirements. Additionally, it's important to carefully consider the terms and rates offered by CashNetUSA, and to only borrow what you can afford to repay.

Is CashNetUSA a Legitimate Company?

Yes, CashNetUSA is a legitimate company. It is a subsidiary of Enova International, Inc., a publicly traded financial technology company. CashNetUSA is a licensed lender in multiple states and follows all applicable state and federal laws and regulations.

However, it's important to keep in mind that CashNetUSA is a lender of high-cost, short-term personal loans, and that not everyone may be eligible for a loan from the company. Additionally, the high interest rates and fees associated with these loans can make them a costly option for borrowing, so it's important to carefully consider the terms and rates offered by CashNetUSA before applying for a loan.

Is CashNetUSA a good lender?

Whether or not CashNetUSA is a good lender depends on an individual's personal circumstances and financial needs.

On the one hand, CashNetUSA offers fast loan processing and funding, making it a good option for those who need cash quickly. The company also offers a range of loan products and flexible repayment terms, making it a good choice for those who need a loan for a specific purpose.

On the other hand, CashNetUSA is a lender of high-cost, short-term personal loans, and the interest rates and fees associated with these loans can be significantly higher than those of traditional loans. This makes CashNetUSA a more expensive option for borrowing and may not be the best choice for everyone.

Before applying for a loan from CashNetUSA, it's important to carefully consider your financial situation and to compare the terms and rates offered by the lender with those of other lending options. If you have questions or concerns, it may be a good idea to speak with a financial advisor or consumer credit counselor before making a decision.

Is CashNetUSA hard to get approved for?

The approval process for a loan from CashNetUSA can vary depending on a number of factors, including your state of residence, income, and credit history. Some applicants may find it easier to get approved for a loan from CashNetUSA, while others may face more challenges.

In general, CashNetUSA considers borrowers with less-than-perfect credit, and the company uses alternative credit data to assess loan applications. However, it's important to keep in mind that the high interest rates and fees associated with these loans can make them a more expensive option for borrowing, and that not everyone may be eligible for a loan from CashNetUSA.

Before applying for a loan from CashNetUSA, it's a good idea to review the specific eligibility criteria for the loan product you're interested in and to make sure you meet all of the requirements. Additionally, it's important to carefully consider the terms and rates offered by CashNetUSA, and to only borrow what you can afford to repay.

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Financial emergencies happen. Be the hero with CashNetUSA.

© CashNetUSA

CashNetUSA service available in US States

  • State of Idaho (ID)
  • State of Iowa (IA)
  • State of Alabama (AL)
  • State of Alaska (AK)
  • State of Arizona (AZ)
  • State of Arkansas (AR)
  • State of Wyoming (WY)
  • State of Washington (WA)
  • State of Vermont (VT)
  • Commonwealth of Virginia (VA)
  • State of Wisconsin (WI)
  • State of Hawai`i (HI)
  • State of Delaware (DE)
  • State of Georgia (GE)
  • State of West Virginia (WV)
  • State of Illinois (IL)
  • State of Indiana (IN)
  • State of California (CA)
  • State of Kansas (KS)
  • Commonwealth of Kentucky (KY)
  • State of Colorado (CO)
  • State of Connecticut (CT)
  • State of Louisiana (LA)
  • Commonwealth of Massachusetts (MA)
  • State of Minnesota (MN)
  • State of Mississippi (MS)
  • State of Missouri (MO)
  • State of Michigan (MI)
  • State of Montana (MT)
  • State of Maine (ME)
  • State of Maryland (MD)
  • State of Nebraska (NE)
  • State of Nevada (NV)
  • State of New Hampshire (NH)
  • State of New Jersey (NJ)
  • State of New York (NY)
  • State of New Mexico (NM)
  • State of Ohio (OH)
  • State of Oklahoma (OK)
  • State of Oregon (OR)
  • Commonwealth of Pennsylvania (PA)
  • State of Rhode Island (RI)
  • State of North Dakota (ND)
  • State of North Carolina (NC)
  • State of Tennessee (TN)
  • State of Texas (TX)
  • State of Florida (FL)
  • State of South Dakota (SD)
  • State of South Carolina (SC)
  • State of Utah (UT)
CashNetUSA service available in US States

Financial products

CashNetUSA
Quick loans
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.

Recommended FinScore™
0
300
650
1000
$100-$2,000
Rate
i

Effective interest rate on the product

up to 805.28%
Term
i

Loan term for the financial product

up to 24 months
Apply
CashNetUSA
Personal line of credit
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.

Recommended FinScore™
0
300
650
1000
$100-$2,000
Rate
i

Effective interest rate on the product

up to 805.28%
Term
i

Loan term for the financial product

open-ended
Apply
CashNetUSA
Installment loans
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.

Recommended FinScore™
0
300
650
1000
$100-$1,800
Rate
i

Effective interest rate on the product

up to 805.28%
Term
i

Loan term for the financial product

up to 24 months
Apply
CashNetUSA
Online Loans
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.

Recommended FinScore™
0
300
650
1000
$50-$3,500
Rate
i

Effective interest rate on the product

up to 805.28%
Term
i

Loan term for the financial product

up to 24 months
Apply
CashNetUSA
Cash Advance
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.

Recommended FinScore™
0
300
650
1000
$100-$3,500
Rate
i

Effective interest rate on the product

up to 805.28%
Term
i

Loan term for the financial product

up to 24 months
Apply

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Rating by Finanso®
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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.

Recommended FinScore™
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$5,000-$100,000
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Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
$500-$4,000
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Effective interest rate on the product

up to 160%
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Loan term for the financial product

9-18 months
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Rocket Loans
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Rating by Finanso®
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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.

Recommended FinScore™
0
300
650
1000
2000.00 – 45000.00 $
Rate
i

Effective interest rate on the product

9.12 – 9.12 %
Term
i

Loan term for the financial product

30 months – 60 months
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Ace Cash Express
Personal 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.

5
Recommended FinScore™
0
300
650
1000
$2000
Rate
i

Effective interest rate on the product

2.4% per day
Term
i

Loan term for the financial product

6 Months
Apply
Sunset Finance
Personal 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.

Recommended FinScore™
0
300
650
1000
$100-$3,000
Term
i

Loan term for the financial product

up to 90 days
Apply

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 29.05.2023
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All CashNetUSA’s reviews by may 2023
Leave feedback
1 reviews
Payday 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
Payday 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
Payday 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
Payday 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
Payday 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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