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Cash Advances
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Last Updated: 04/18/2025

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CashNetUSA Payday Loans

in Cash Advances from CNU Online Holdings, LLC

Last Updated: 04/18/2025

CashNetUSA Payday Loans logo
Mostly not recommended34 total votes
12 users recommend
1 users are unsure
21 users don't recommend
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Highlights

Community Rating

Mostly not recommended

Key Takeaway 3

N/A

Amount Range

$100 - $1,500
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Fee

$15.49 - $375
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Minimum Monthly Income

$1,000
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Number of Reviews

34
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CashNetUSA Payday Loans Review

CashNetUSA Payday Loans is offered by CNU Online Holdings, LLC, a direct lender founded in 2004 and based in Chicago, IL. CashNetUSA Payday Loans are available in 15 states.

CashNetUSA Payday Loans FAQ

What rates and fees does CashNetUSA Payday Loans charge?

CashNetUSA Payday Loans offers advances with fees ranging from $15.49 to $375. These loans are meant as a short-term source of credit but if you calculate the annualized percentage rate of those fees you get rates ranging from 86.9% to 1140.63%.

How much cash can you access from CashNetUSA Payday Loans?

Advances start at $100 and go up to $1,500 depending on how much you qualify for.

What is the maximum term you can get with CashNetUSA Payday Loans?

CNU Online Holdings, LLC offers avances with a maximum term of 35 days.

What do you need to qualify for CashNetUSA Payday Loans?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.
CashNetUSA Payday Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by CashNetUSA Payday Loans.
To qualify, applicants may need to provide the following documentation:
  • Recent pay stubs
  • Proof of income

Does CashNetUSA Payday Loans run credit checks?

No, CashNetUSA Payday Loans will not run your credit with the three national credit reporting agencies (Equifax, Experian, and TransUnion).

What is the estimated funding time for a cash advance via CashNetUSA Payday Loans?

CashNetUSA Payday Loans will typically approve (or deny) applications within hour and fund the cash advance as soon as 0 business day of approval.

Is CNU Online Holdings, LLC a legit company?

CNU Online Holdings, LLC was founded in 2004, it is a well-established company that has been in business for 22 years. CashNetUSA Payday Loans is mostly not recommended by SuperMoney community users.

CashNetUSA Payday Loans 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: SuperMoney.com 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...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

CashNetUSA Payday Loans logo

Message from CashNetUSA Payday Loans

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.
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Message from our editor

What we love about CashNetUSA loans

CashNetUSA is the leading online payday lender in the United States. As well as payday loans, CashNetUSA also offers installment loans and lines of credit. The application process only takes a few minutes, and borrowers receive an instant lending decision. In some cases, money can be transferred by the next business day.

What could CashNetUSA do better?

The catch with CashNetUSA is that fees and interest rates are very expensive. That is because CashNetUSA loans are designed for borrowers with poor credit looking for a flexible funding option that doesn’t require them to leverage property as collateral.

CashNetUSA backstory

CashNetUSA is a brand of Enova International and was first launched as Check Giant LLC in 2003. In 2004, Al Goldstein joined the company and turned the business toward online consumer lending. In 2006, Enova was purchased by Cash America, the world’s largest pawn company with 859 stores in operation across the country today. The purchase was made to create an internet-based division of their brand, allowing further customer reach. Al Goldstein left the company and proceeded to launch another successful online lending company: Avant.
Enova is a holding company for a variety of finance technology businesses. As well as CashNetUSA, its flagship brand, Enova, also owns NetCredit, Headway Capital, QuickQuid, OnStride, and Dollars Direct. Headway Capital offers business loans. QuickQuid and OnStride provide payday loans in the United Kingdom. Dollars Direct operates in Australia and Canada. Enova also does business in Brazil (as Simplic) and China (as YOUXINYI).

The Verdict

If you're looking for a loan and your credit is not great, CashNetUSA may be a good option. Just be aware that all of the loans offered by CashNetUSA come with high-interest rates. The application process is one of the strong points for CashNetUSA. Yes, interest rates are high. But if you’re looking for a fast source of cash that doesn’t perform credit checks or require you to fill in pages and pages of financial information or fax documents, it’s hard to beat CashNetUSA.

Contact

Headquarters

175 W. Jackson Blvd.
Suite 600
Chicago, IL 60604
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