CashNetUsa is the flagship brand of Enova International, Cash America's internet division. Cash America is the largest payday chain in the world. CashNetUSA was one of the first licensed short-term online lenders and provides a wide selection of credit solutions to borrowers with poor to bad credit, which includes payday loans.

How Does It Work?

The products available vary depending on state laws. In states where payday loans are available, you can have the cash in your bank account the next business day.

What Are The Interest Rates?

Interest rates vary by state, the loan amount, and the type of loan you apply for. The range of interests goes from 187.33% to 912.5%. The maximum APR is for an 8-day loan in Mississippi, which has a $20 finance charge for every $100 you borrow. Payday loans have terms of 8 to 35 days, depending on the state you live in and when your next payday falls.

How Much Money Can I Borrow?

Loan amounts vary by state. In some states, the maximum loan amount is a percentage of your monthly income. For instance, in Rhode Island, the maximum loan amount is 20% of your monthly income or $1,500, whichever is less. 

What Is the Application Process Like?

The application process is entirely online, and it only takes a few minutes to get a reply. As is the case with most payday lenders, CashNetUSA does not base eligibility on your credit score. Nevertheless, you may not qualify for loans if you have defaulted on past transactions.

How Is It Better Than Other Payday Loans?

CashNetUSA is a division of the largest payday lender in the world. The main features of CashNetUSA are its flexible eligibility criteria, customer service, and that it is available in most states.

The APRs are high, but it's hard to beat as a fast source of cash in an emergency. 

  • Credit Score Range
    300 - 700
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
  • Minimum Annual Income
  • Minimum Monthly Income
  • No Other Outstanding Loans
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Loan Fee
    $15.49 - $375
  • Funding Time Range (in days)
    Up to 1
  • Max Loan Term (days)
  • No Credit Check
  • Direct Deposit
  • Instant Decision
  • Online Application
  • Loan Amount
    $100 - $2250
  • APR
    31.94% - 435.19%
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