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.

3.7
(25 Ratings)

Apply For CashNetUSA

Advertiser Disclosure

How to Apply for CashNetUSA Loan?

Applying for a loan with CashNetUSA is simple and straightforward. Here's how to apply:

  1. Visit the CashNetUSA website. Go to CashNetUSA's website and click on the "Apply Now" button.
  2. Fill out the application form. Enter your personal information, including your name, address, income, and employment information. You'll also need to provide information about your bank account so CashNetUSA can deposit the loan funds if you're approved.
  3. Review and submit the application. Review your application for accuracy and submit it by clicking the "Submit" button.
  4. Get a decision. You'll receive a decision on your loan application within minutes. If you're approved, you'll receive a loan agreement that details the terms and conditions of your loan.
  5. Sign the loan agreement. If you accept the loan agreement, you'll need to sign it electronically.
  6. Receive funds. If you accept the loan agreement, the loan funds will be deposited into your bank account as soon as the next business day.

It's important to understand the terms and conditions of your loan before accepting the loan agreement. Make sure to review the loan agreement carefully and ask any questions you may have before accepting the loan.

Application Details

When applying for a loan with CashNetUSA, you'll be asked to provide the following information:

  1. Personal Information. This includes your name, address, phone number, and email address.
  2. Income Information. You'll need to provide information about your income, including your source of income and your average monthly income.
  3. Employment Information. You'll need to provide information about your employment status, including your job title, employer name, and length of employment.
  4. Bank Account Information. You'll need to provide your bank account information so that CashNetUSA can deposit the loan funds into your account if you're approved.
  5. Loan Information. You'll need to specify the loan amount you're applying for and the loan term (the length of time you'll have to repay the loan).

It's important to provide accurate and complete information when applying for a loan with CashNetUSA. Providing incorrect information may result in delays or the rejection of your loan application. Applications are accepted on the same working day. But the opportunity to apply is not limited by time. The transaction takes place on the same business day.

CashNetUSA cannot issue a loan to military personnel because it lends at a very high-interest rate (over 36% per annum). According to US law, military personnel are "insured borrowers," and the bank cannot lend more than 36% per annum.

Requirements

The conditions of getting CashNetUSA Loans under which you can take out a loan are very simple:

  • You must be over 18 years of age.
  • Your source of income must be verified because bank title loans and installment loans are only for those who can document their income, which allows them to return the borrowed money on time.
  • You must have an active checking account.
  • You must live (with the correct address) in the US.

Products

CashNetUSA offers several different loan products, including:

  1. Payday loans. These are short-term loans designed to help you cover unexpected expenses until your next payday.
  2. Installment loans. These are longer-term loans that are repaid in multiple payments over a set period of time.
  3. Line of credit. This is a revolving line of credit that you can access as you need it, up to your available credit limit.
  4. Auto title loans. These are secured loans that use your vehicle as collateral.

Each loan product has its own specific terms and requirements, and loan amounts and fees can vary depending on your state of residence. It's important to review the details of each loan product before applying and make sure you understand the terms and conditions of the loan you are applying for

Required Documents and Requirements

The required documents and requirements for a loan from CashNetUSA may vary depending on the type of loan you are applying for and the state you live in. However, here is a list of common requirements:

  1. ID. You'll need to provide a government-issued photo ID, such as a driver's license or passport.
  2. Income. You'll need to provide proof of income, such as a pay stub or bank statement.
  3. Bank account. You'll need to provide your bank account information so that CashNetUSA can deposit the loan funds into your account if you're approved.
  4. Employment. You'll need to provide information about your employment status and length of employment.
  5. Age. You must be at least 18 years old to apply for a loan with CashNetUSA.
  6. Residency. You must be a legal resident of the United States and live in a state where CashNetUSA operates.
  7. Social Security Number (SSN). You'll need to provide your SSN to help CashNetUSA verify your identity.

It's important to understand the requirements for the specific loan product you are applying for before submitting an application. You may also want to review the terms and conditions of the loan, including the fees and interest rate, before accepting the loan agreement.

FAQ

Is it possible to get a loan with a bad credit history?

CashNetUSA provides short-term loans that are designed to help people with less-than-perfect credit. The company uses alternative methods to assess loan eligibility, such as employment history and bank account information, instead of relying solely on credit history. However, it's important to note that having a bad credit history may still impact the terms of your loan, such as the interest rate or fees, and you may be required to provide additional information or collateral. Additionally, defaulting on a loan from CashNetUSA can have negative consequences for your credit score. Before applying for a loan, you should carefully consider your ability to repay the loan and the potential impact on your credit history. You need to have 500 - 640 credit scores. CashNetUSA will consider applications regardless of income level. The primary condition is confirmation of the ability to repay your debt.

How long are applications considered, and what information on their business hours?

CashNetUSA loan applications are usually considered and processed quickly, with some loan decisions being made in as little as a few minutes. However, the exact time it takes to receive a loan decision can vary depending on several factors, such as the loan amount, state of residency, and time of day.

CashNetUSA business hours typically depend on the state of residency, as the company operates in different states with different regulations. However, many states have extended hours of operation, and loan applications can be submitted online 24/7. You can contact CashNetUSA's customer support team for more information on the specific business hours in your state

How long does it take to get approved?

CashNetUSA processes loan applications quickly and some loan decisions can be made in as little as a few minutes. However, the exact time it takes to get approved for a loan depends on several factors, such as the loan amount, state of residency, and the time of day. If approved, funds can be deposited directly into your bank account as soon as the next business day.

It's important to note that getting approved for a loan from CashNetUSA does not guarantee that you will receive the loan. The loan terms, such as the interest rate and repayment schedule, may vary based on your credit history, income, and other factors. Before accepting a loan agreement, you should carefully review the loan terms and conditions and make sure you understand the total cost of the loan and are comfortable with the repayment schedule.

How trustworthy is CashNetUSA?

CashNetUSA is a financial services company that provides short-term loans to consumers. The company is licensed and operates in accordance with state regulations, which can vary depending on the state where you live.

Like with any financial service, it's important to do your research and consider the terms and conditions of the loan before accepting a loan agreement with CashNetUSA. You should make sure you understand the interest rate, fees, and repayment schedule and are comfortable with the total cost of the loan before accepting the loan agreement.

It's also important to keep in mind that short-term loans, like those offered by CashNetUSA, can have higher interest rates and fees compared to other types of loans, so it's crucial to repay the loan on time to avoid additional costs and to maintain a positive credit history.

If you have concerns or complaints about your loan with CashNetUSA, you can contact their customer support team to address your issues.

Does CashNetUSA verify income?

Yes, CashNetUSA does verify the income of loan applicants. This is to ensure that the loan applicant has the ability to repay the loan and to evaluate the loan amount that can be approved. The exact method of income verification may vary depending on the state of residency, but common methods include reviewing pay stubs, bank statements, and tax returns.

It's important to be transparent and accurate when providing information about your income and expenses during the loan application process. If you provide false information, this can lead to loan denial or loan default, which can negatively impact your credit score.

Does CashNetUSA hurt your credit score?

CashNetUSA's loan can have an impact on your credit score, just like any other loan or credit account.

If you make on-time loan payments and repay the loan according to the loan agreement, it may have a positive impact on your credit score by demonstrating your ability to repay debt.

However, if you miss payments, have a loan default, or have a high amount of outstanding debt, it can have a negative impact on your credit score. It's important to keep this in mind and to make sure that you can repay the loan on time to avoid additional costs and to maintain a positive credit history.

It's also important to keep in mind that applying for a loan from CashNetUSA or any other lender will result in a hard inquiry on your credit report, which can temporarily lower your credit score.

Overall, it's crucial to carefully evaluate your financial situation and make sure you are able to repay the loan on time before accepting a loan agreement with CashNetUSA or any other lender.

Does everyone get approved for CashNetUSA?

Not everyone who applies for a loan from CashNetUSA will get approved. The approval of a loan is determined by a number of factors, including the applicant's credit history, income, and state of residency, among others.

CashNetUSA and other lenders have specific eligibility criteria that must be met to be approved for a loan. If you do not meet these criteria or if the lender determines that you are a high-risk borrower, your loan application may be declined.

It's important to carefully review the loan requirements and your financial situation before applying for a loan from CashNetUSA or any other lender. If you have questions or concerns about your eligibility, it's best to contact the lender directly to discuss your options.

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
CashNetUSA
Payday 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.

3.68
(25 Ratings)
Recommended FinScore™
0
300
650
1000
$50 -$500
Rate
i

Effective interest rate on the product

up to 805.28%
Term
i

Loan term for the financial product

up to 30 days
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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650
1000
100.00 – 20000.00 $
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Effective interest rate on the product

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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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300
650
1000
2000.00 – 100000.00 $
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6.34 – 35.89 %
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Loan term for the financial product

2 months – 72 months
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.

4.25
(20 Ratings)
Recommended FinScore™
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300
650
1000
$500-$4,000
Rate
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Effective interest rate on the product

up to 160%
Term
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Loan term for the financial product

9-18 months
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 21.05.2024
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All CashNetUSA’s reviews by may 2024
Leave feedback
4.6
Advantages
CashNet boasts stellar customer service. They're truthful about the speed of fund delivery, empathetic about life's unpredictabilities, and overall outstanding. I'll certainly be recommending them to all my acquaintances.
Complain
1.6
Disadvantages
I recently applied for a loan with CashNetUSA and got approved. However, after paying off the loan just yesterday and attempting to reapply, I was surprisingly denied, even though they had approved me just two weeks prior. When I spoke to a representative, she mentioned they now use a third-party company and also seemed to have incorrect information.
Complain
4.4
Advantages
The customer service representatives are outstanding, and they offer support during times of need when all others seem to close their doors. Grateful for their assistance!
Complain
1.4
Disadvantages
I was approved for a modest loan, but upon checking the bank information for the transfer, I spotted an incorrect account number. When I called to correct it, they said my application would be retracted and I'd need to reapply. Surprisingly, after all that, they then declined my application but retained my updated bank details.
Complain
4.6
Advantages
I had difficulty securing credit due to my score until I came across CashNetUSA. They not only approved me but also excelled in their communication. I can readily access funds whenever necessary. I'd surely recommend them to friends and family!
Complain
5
Advantages
I appreciate the quick transfer of funds to my account and the adaptability in adjusting my payment when necessary. Additionally, the app is user-friendly and efficient.
Complain
2.4
Disadvantages
The interest rate is exorbitant, and the customer service was extremely unhelpful. The representative seemed uninformed and couldn't assist me. I wouldn't suggest this company to anyone, not even my worst adversary.
Complain
4.6
Advantages
I've been a loyal customer for quite a while and can genuinely attest that every interaction has been positive. Every representative I've dealt with was courteous, well-informed, and immensely helpful. I've always been punctual with my payments, and requesting a withdrawal is a breeze. Often, it's processed on time or even ahead of schedule. I always feel at ease when dealing with CashNetUSA.
Complain
4.2
Advantages
The application process is straightforward, and the money gets deposited swiftly into your account. I had a conversation with their customer service, and they were both efficient and courteous.
Complain
2.2
Disadvantages
They were extremely unhelpful. When I reached out regarding the excessive monthly deductions and hoped to discuss a more feasible payment plan, they insisted they would continue their deductions as they saw fit. My attempts to negotiate a more reasonable arrangement were met with indifference, and I was continually disconnected from the call.
Complain
Overall company rating
3.7
/ 5
25 reviews
Execution of an application
3.6
Support service
3.6
Mobile app
3.7
Service quality
3.8
Your satisfaction level
3.7
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