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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.



About CashNetUSA

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 of CashNetUSA


  • 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.


  • 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 of CashNetUSA

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.



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

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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 June 2022
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