Features

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 22 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.

How does CashNetUSA describe itself?

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.

  • 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
    Non-Military
  • Minimum Age
    18
  • Minimum Annual Income
    $12000
  • Minimum Monthly Income
    $1000
  • No Other Outstanding Loans
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Proof of Income
    • Recent Pay Stubs
  • Loan Fee
    $15.49 - $375
  • Funding Time Range (in days)
    Up to 1
  • No Credit Check
  • Direct Deposit
  • Instant Decision
  • Online Application
  • Loan Amount
    $100 - $1500
  • Loan Term (Days)
    Up to 35
  • APR
    86.9% - 1140.63%
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