CashNetUSA Loan Review 2020 - Apply, Features | Credit Raters
Last updated: 18th Jan 2020

CashNetUSA Review


CashNetUSA specialises in offering affordable, unsecured credit to US residents from a huge range of financial backgrounds, serviceable in more than 30 states.

With both short term and open ended CashNetUSA loans available, we’re confident that this highly reputable lender can help you to find a loan that can help you through your unexpected financial shortfall.

Their mantra of assessing each application based on its unique merits makes them an ideal choice for those with a less than perfect credit history, so long as you have a steady source of income and are able to comfortably repay what you borrow.

In this CashNetUSA review, we’ll take a closer look at the different loan types on offer, some CashNetUSA alternatives and find out how you can apply online today.

Also Check: Cash Central Loans Review

More About The CashNetUSA Loans On Offer

CashNetUSA offers three different loan types to help their customers quickly and easily overcome life’s financial emergencies – payday loans, instalment loans and lines of credit.

Each one of these loan types is designed to suit a variety of financial backgrounds, giving you a great chance of being accepted straight away for a CashNetUSA loan.

Let’s take a closer look at how these short term loans compare.

Loan Type Number Of Eligible States Typical Loan Term Application Turnaround Time
CashNetUSA Payday Loans 17 1 month Same day
CashNetUSA Instalment Loans 10 3 – 6 months Within 24 hours
CashNetUSA Line Of Credit 6 Continuous Within 24 hours

CashNetUSA Payday Loans

If you’re looking for a simple, short term loan to tide you over until you next get paid, then it’s well worth considering a payday loan. You’ll be able to borrow a fixed lump sum over the course of a few days or weeks with the outstanding balance repaid once your pay check has cleared.

Depending on your state, you may also be able to extend this payment over to a second or even a third payday if necessary, however this will increase the total amount of interest that you’ll repay.

Ideally, these CashNetUSA payday loans should only be used for a short period of time to minimise the overall costs.

CashNetUSA Instalment Loans

Prefer to spread your repayments out over a longer period of time? Rather than clearing your entire balance on your upcoming payday, instalment loans are a short term alternative to more traditional personal loans which allow you to make repayments over 3 – 6 months.

CashNetUSA Line Of Credit

Unlike payday and instalment loans, CashNetUSA also offer an extended credit facility known as a line of credit. This works in almost exactly the same way as an overdraft in that you’ll be able to dip in and out of your credit limit as and when you need it.

You’ll be charged interest on the total amount borrowed but will have no fixed date to repay your balance if and when you do decide to use it.

Key Features

There’s no one size fits all loan or lender for everyone, but CashNetUSA do cast their net wide when it comes to they’re able to accept. Here’s a look at some of the key pros and cons to getting CashNetUSA loans.

  • Multiple products to choose from
  • Quick and easy online application
  • Instant decision and same day cash transfer available
  • Available in more than 30 states across the USA
  • Payday loans can become expensive beyond the short term
  • Line of credit product only offered in six states
  • Missed repayment can negatively impact your credit score

Once you’ve completed your initial comparison of CashNetUSA loans, take a minute to read through the key features, interest rates and repayment options until you find a perfect match for your circumstances.

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CashNetUSA Alternatives

The explosion of online lending means that there are tons of CashNetUSA alternatives on the market for borrowers to choose from. Whether CashNetUSA is currently unavailable in your state or you’ve been turned down and would like to try elsewhere, Viva Payday Loans can.

Here’s how some of the CashNetUSA alternatives stack up against each other.

Lender Example APR (Payday Loans) Bad Credit Lending? Loan Amounts
CashNetUSA Loans 86% Yes Up to $2,000
OppLoans 99% Yes Up to $4,000
Speedy Cash Loans 176% No Up to $1,500


CashNetUSA loans can be used for almost any purpose. Whether you’re looking to make improvements to your home, purchase a vehicle or simply clear some unexpected bills, a CashNetUSA loan may be able to help.

Yes. All applications are assessed in-house by CashNetUSA and any funds issued will come directly from them. All repayments will also be made to CashNetUSA.

Yes! Although your credit score will be used to give CashNetUSA an overall picture of your ability to manage credit, they will also look at factors such as your income that support your ability to repay your loan.

Eligibility Criteria

You can apply for a CashNetUSA loan as long as you fulfill at least the minimum criteria:

  • You’re at least 18 years of age when you apply
  • You live in an eligible state
  • You’re a permanent US resident
  • You have a checking account in your name
  • You are able to comfortably repay your loan

Other factors such as your credit score, income and residential status may also be taken into account as part of your overall online assessment.

State Availability

CashNetUSA loans are available across the USA, but not all of their loan products are compatible with each state’s regulatory laws.

The table below will help you to decide which CashNetUSA loan is most suited to your financial and residential circumstances.

CashNetUSA Loan Type Available States
CashNetUSA Payday Loan Alabama, Alaska, California, Florida, Hawaii, Louisiana, Maine, Michigan, Minnesota, Nevada, North Dakota, Oklahoma, Oregon, Rhode Island, Texas, Washington, Wyoming
CashNetUSA Instalment Loan California, Delaware, Illinois, Mississippi, Missouri, New Mexico, Ohio, South Carolina, Texas, Wisconsin
CashNetUSA Line Of Credit Alabama, Idaho, Kansas, Tennessee, Utah, Virginia

Customer support

You’ll benefit from round the clock support when it comes to applying for and managing your CashNetUSA loans. Their independent customer service score of 9.7/10 on TrustPilot is a fitting testament to the way they treat their customers.

In terms of getting in touch with CashNetUSA, their customer services team is available by telephone on 888-801-9075 or by e-mail at

If you need additional help online, they also offer a helpful live chat service that can be accessed by clicking on the icon in the bottom right corner of their website.

CashNetUSA Review – Conclusion

CashNetUSA is a modern, forward thinking lender offering multiple products to help open up borrowing to those who need it most. Their exemplary customer service record speaks for itself and thousands of their customers continue to use them over and over again when funds are needed.

Their online application takes just a couple of minutes with all repayments and any fees explained clearly and transparently throughout.

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