in Payday Loans from CashNetUSA

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in Payday Loans from CashNetUSA

SuperMoney Net Recommendation Score -44% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly not recommended

5 users recommend
0 users are unsure
13 users don't recommend
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Community Rating Mostly not recommended
Loan Amount $100 - $1,500
Minimum Monthly Income $1,000
Loan Fee $15.49 - $375
Number of Reviews 18


Where does CashNetUSA do business?

CashNetUSA is a direct lender based in Chicago, IL. It was founded in 2005 and offers access to payday loans in 15 states across the USA.

What loan fees does CashNetUSA charge and what are the equivalent APRs?

CashNetUSA offers payday loans with loan fees ranging from $15.49 to $375. These loans are meant as a short-term source of credit but if you calculated the annualized percentage rate of those fees you get APRs ranging from 86.9% to 1140.63%.

How much can you borrow from CashNetUSA?

Loan amounts start at $100 and go up to $1,500.

What is the maximum loan term you can get with CashNetUSA?

CashNetUSA has payday loans with a maximum term of 35 days.

What do you need to qualify for a loan with CashNetUSA?

Applicants with a credit score of at least 300 can apply for a loan via CashNetUSA. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Only U.S. citizens and permanent residents can apply for a loan.

You'll need a minimum monthly income of $1,000 to qualify for a loan with CashNetUSA. CashNetUSA will also consider borrowers who are unemployed as long as they have an annual income of $12,000 or higher. Active duty servicemembers and their covered dependents cannot apply for a loan via CashNetUSA. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Recent bank statements

What is the estimated funding time for a payday loan via CashNetUSA?

CashNetUSA will typically provide a credit approval decision in less than an hour and fund the loan within 1 day.

For more information on payday loans, tribal loans, and their alternatives, read this guide.

CASHNETUSA Disclosure: CA residents: CNU OF CALIFORNIA, LLC d/b/a CashNetUSA is licensed by the Commissioner of Business Oversight (California Financing License No. 603H010 and California Deferred Deposit Originator License No. 1003271); OH residents: Ohio Credit Services Organization Certificate of Registration No. CS.900076.000. *CashNetUSA or third-party lender uses various credit reports, data sources and applicant information as part of its underwriting. Not all loan applications or extension requests are approved or receive the maximum amount permitted under state law. Not all instant decisions result in a loan approval. Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  •   200 West Jackson Suite 2400
    Chicago, IL 60606 USA
  •   Visit Site

Message from CashNetUSA

We've been helping hardworking people get the funds they need for more than 10 years. We've given more than 3 million customers the chance to take control of their financial futures.

Other Services by CashNetUSA


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 15 states
  • Alabama
  • Alaska
  • California
  • Florida
  • Hawaii
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Nevada
  • North Dakota
  • Oklahoma
  • Oregon
  • Rhode Island
  • Wyoming

Feature Breakdown

Loan Fee $15.49 - $375
Minimum Age 18
Minimum Monthly Income $1,000
No Other Outstanding Loans  
Credit Score Range 300 - 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $12,000
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Non-Military
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
Funding Time Range (in days) 0 - 1
No Credit Check  
Direct Deposit  
Online Application  
Instant Decision  
Loan Amount $100 - $1.5K
Loan Term (Days) Up to 35
APR 86.9% - 1,140.63%



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