CashNetUSA Review
CashNetUSA
CashNetUSA
Pros
- ✓ Fast funding (often next business day)
- ✓ Available in over 30 states
- ✓ Online application
Cons
- ✗ Very high APR
- ✗ Short repayment terms
- ✗ Not available in all states
Overview
CashNetUSA is one of the largest online lenders for short-term and installment loans in the United States. They have been operating since 2004 and are part of Enova International.
Loan products
CashNetUSA offers three main loan types depending on your state:
- Payday loans — typically due on your next pay date.
- Installment loans — repaid over several months with regular installments.
- Lines of credit — revolving credit you can draw on as needed.
How to apply
Applications are entirely online. Most decisions are made within minutes, and approved borrowers usually receive funds by the next business day.
Frequently Asked Questions
How fast does CashNetUSA pay out approved loans?
Funding is often available by the next business day once your application is approved and your bank details are confirmed.
Does CashNetUSA operate in every state?
No — it lends in over 30 states, so check the restricted-states list on this page before applying.
What credit score do I need to qualify?
CashNetUSA looks beyond a traditional credit score, weighing income and banking history alongside it, so approval is possible even with a lower score.
Requirements
- At least 18 years old
- US citizen or permanent resident
- Active checking account
- Verifiable source of income