CashNetUSA Payday Loans is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/18/2025
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CashNetUSA Payday Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score -26
Mostly not recommended34 total votes
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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
CashNetUSA Payday Loans Review
CashNetUSA Payday Loans is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
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.
Message from CashNetUSA Payday Loans
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.
Other Services by CNU Online Holdings, LLC
SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -26, or 2.5 on a 5-point rating scale.
-26
-1000+100
No one recommends
Everyone recommends
CashNetUSA Payday Loans Community Reviews
Would you recommend CashNetUSA Payday Loans to your friends?
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Annette D.
Mar 11, 2021
May or may not recommend
Cashnetusa is an example of what is wrong with America - Corporate GREED. For a $1000 loan that I took out in December, they have charged me over $700 in fees and interest. I have made three payments of over $250 since December 2020 and not one cent went towards my balance. I still owe $1008. This virus and pandemic has crushed many people’s lives. I am no different. Yet ...Show More
Kevin F.
Oct 23, 2020
May or may not recommend
I used these for a while. You only have to wait a day between loans, and they even have a reward plan that saves you a bit of money the more you use them. You can also get extensions on these payday loans, which can come in handy when you are behind on bills (or between jobs).
NJ
Niyah J.
Mar 15, 2020
May or may not recommend
Excellent customer service. I called around 5-6pm and checked my account at 5 in the morning and the money was there. Plus I can reapply online instead of calling whenever I need another loan
U
Anonymous
Mar 7, 2020
May or may not recommend
I was so excited when I was approved for $1000. It was quick and easy money into my account. I was so desperate I didn't even care what I had to pay back since tax season was approaching I was thinking I am going to pay them off in less than 3 months anyway. I had fallen behind and didn't want my children phones cut off because ...Show More
Fred H.
Jan 31, 2020
May or may not recommend
I took a loan with these guys and was told my monthly payment would be 198.00 which I made last month and now this moth there saying I owe them 468.00 that's a Hellava jump from 198.00.
Bee M.
Sep 9, 2019
May or may not recommend
They are always there in your time if need! Love them.
U
Anonymous
Aug 17, 2019
May or may not recommend
Horrible Customer Service, shady way of doing business. Don't reccomend.
Edna M.
Aug 7, 2019
May or may not recommend
My first experience, wasn't as. I respected, because I was wanting payment. Instead. They pullef all thr money out at one time. It was a good thing after all.
CN
Connie N.
Jul 31, 2019
May or may not recommend
I am having problems with my email and password they won’t let me in
AH
Angela H.
Jul 19, 2019
May or may not recommend
I borrowed $1,000 and went to pay this loan off within 45 days and was charged $421 extra I don't understand how I had to pay that much money after only having the loan less than 45 days I feel that I just got ripped off I was told my interest was a little under $750 for 7 months so how do I owe $421 for a month and a ...Show More
Kyrstie A.
Jul 8, 2019
May or may not recommend
I try to apply for a loan and cash net usa website would not let me apply from nc state
Yolanda R.
Jul 3, 2019
May or may not recommend
This company has dishonest business practices. Do NOT assume that you'll get your money quickly. You will get money within 24 hours but watch out that you don't expect it the end of business.
Young J.
Jun 30, 2019
May or may not recommend
You will pay back more than what you asked for
William M.
Jun 27, 2019
May or may not recommend
I’m going to go with yes, any responsible person with absolutely any knowledge should know how much you should borrow and when to pay it back. These loans are payday loans meaning don’t get it unless you need it and don’t get anymore money than you need and pay it all back within a one or two week period. These loans are not meant to be stretched out ...Show More
Jason A.
Jun 27, 2019
May or may not recommend
I applied I got turned down my credit score was over 600 and I had 2 full time jobs both making $14.00 hr. I been at job job for over 4 years and they couldn't give me a reason y the denied. it's ok there loss not mine
TD
Tina D.
Jun 12, 2019
May or may not recommend
I might recommend this loan for a friend if it’s legitimate
U
Anonymous
May 31, 2019
May or may not recommend
It help me out a lot when I neeed it thanks
Sean M.
Feb 13, 2019
May or may not recommend
they took out more money then i owed out of my account
LG
Lupe G.
Dec 22, 2018
May or may not recommend
This is great!!!! If I were you I would do this in a heartbeat!!!
GH
Gwen H.
Dec 11, 2018
May or may not recommend
Youll never know what your payment will be and youll pay way over what you borrowed
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