CashUSA Review | Compare Loan Options | Credit Raters us-lenders

CashUSA Review

In the recent past, mobile loans have boomed, almost replacing the conventional loans, thanks to the rise of the internet. Different loan providers such as CashUSA employ diverse techniques in issuing the loans. To fill different niches, different approaches are used by companies. CashUSA uses the marketplace approach. It connects lenders to borrowers. 

The CashUSA has a vast network of both lenders and borrowers. The personal loans are applied on the CashUSA’s website but CashUSA does not give the loans. Depending on your needs, CashUSA matches you with an ideal lender. CashUSA partner lender will in most cases, disburse your loan in not later than one business day if your application is successful.

How much do CashUSA Loans Cost?

While using the CashUSA service is not charged in terms of fees, individual lenders may charge some fees such as origination fee. Additionally, CashUSA loan costs range between 5.99% – 35.99% APR. The amount given to you is dependent on your circumstances and financial situation.

Key features of the CashUSA loans

To clear any doubts on CashUSA, let’s see its advantages and disadvantages. This section makes you decide whether to use the service or not. 


  • No fee – CashUSA does not charge application fees to connect it’s borrowers to the lenders.
  • Easy application – the application process is straightforward and fast, a single application form and you’re done.
  • Straight-forward on loan requirements – nothing is hidden loan conditions to borrowers, everything is direct.
  • Wide network – the lender’s network is vast and thus a big plus for borrowers.
  • Credit ratings – offers loans on borrowers based on their credit profiles. Having a lower credit score does not exclude you from getting a loan. 
  • A secure site – uses advanced encryption to protect the forms that are filled.


  • Maximum loan is less – when compared to the competitors, a maximum loan of $10, 000 is minimal.
  • The third-party – does not offer loans directly.
  • Limited partners – other lenders, with the potential of better deals, are not its partners.


Why is my Social Security number required?

The Social Security Number, alongside other personal credentials, is together used to verify your identity. Identifying you eases the application process and you are connected to a lender in a twinkle of an eye.

What can I do if I am not able to repay on the given date?

When you realize you will not be able to make a payment on the given day, it’s best to contact the lender as soon as possible. Most lenders will, without a doubt, consider your plea and reschedule the date of payment to when it’s convenient for both of you.

What is the credit score needed to qualify for a CashUSA loan?

Unlike many lenders, CashUSA does not stipulate any minimum FICO® score. Being a third party loan platform, you can trust to be matched with a lender despite having a lower credit rating. Nonetheless, on such terms, you need to proceed with caution because the loan might be expensive.

Eligibility Criteria

To qualify for a loan, certain requirements must be met. This is not a condition for CashUSA alone, all other lenders to have to set a ceiling to their borrowers.

  • US Citizen or permanent resident of the US
  • Not less than 18 years of age
  • A current checking account against your name
  • A minimum monthly income of $1000 after tax deductions

However, you’ll also be required to fill in your personal information such as contact details, employment status, home address, and social security number.

State Availability

Due to the nature of CashUSA, a connection service is available in all the 50 states in the USA. It’s good to note that it does not offer its services to any other country apart from the USA.

Customer support

Since CashUSA operates as a connection service, it’s highly likely that on very rare occasions should you have to contact them. Even though you might not contact them on the grave issues, you might contact them regarding the information listed on their website.

Firstly, you can send them an email to Secondly, you can give them a call via 866-973-6587. Thirdly, you can write a letter(though less efficient) to them via the address: 3315 Russel Rd Ste A-4#105, Las Vegas, NV 89120.

Though it’s not available what hours the customer care operates, it’s always logical and ethical to contact them at the default business hours.

Application process

The application process is pretty straight-forward since there is nothing bothersome. You submit the loan request online via their website.

  1. Fill in your name, email address and zip code
  2. Input your details for identification(phone number, home address, income and such)
  3. Provide your bank account information and car information

All these take less than 5 minutes given that all the needed information is readily available on your finger-tips, and it’s done entirely online. The fully online feature makes it more popular, it’s easy, fast and convenient.

When you submit the form, it’s distributed to the CashUSA network of relevant lenders about your needs. The list of suitable lenders to a client is generated automatically based on your requirements. This is one of the most significant advantages of using a loan lender like CashUSA. You save a lot of time that would’ve been moving from one lender to the other.

After the information is processed, what you get next is a loan offer from a genuine lender. You only have to read the loan proposal with its terms and conditions before choosing whether to agree or decline it. If it does not meet your needs, you repeat the process with the hope of landing a different lender. 

If you accept the proposal, CashUSA connects you with the lender directly. A soft credit check is conducted after acceptance, and therefore, your credit score does not take a hit. From this point onwards, you are no longer dealing with CashUSA in any way. You can now use an e-signature and your loan will be released within a day. 


Any time you need a personal loan or debt consolidation, CashUSA comes in hand. Everything is done online, and thus you can count on its convenience. It gives you a list of potential lenders with terms matching your requirement and the choice is yours. The fact that it assures you a loan despite a bad credit score makes it worthwhile.