CashNetUSA Payday Loans

CashNetUSA Payday Loans

in Payday Loans from Enova International


CashNetUSA Payday Loans


in Payday Loans from Enova International

SuperMoney Net Recommendation Score -26


This product is mostly not recommended by SuperMoney users with a score of -26, equating to 2.5 on a 5 point rating scale.


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

12 users recommend
1 user is unsure
21 users don't recommend
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Community Rating Mostly not recommended
Loan Amount $100 - $1,500
Loan Fee $15.49 - $375
Minimum Monthly Income $1,000
Number of Reviews 34

CashNetUSA Payday Loans Review

CashNetUSA Payday Loans is offered by Enova International, a direct lender founded in 2009 and based in Chicago, IL. CashNetUSA Payday Loans is available in 15 states across the USA.

CashNetUSA Payday Loans FAQ

What are the CashNetUSA Payday Loans rates & fees?

CashNetUSA Payday Loans 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 calculate the annualized percentage rate of those fees you get rates ranging from 86.9% to 1140.63%.

How much can you borrow from CashNetUSA Payday Loans?

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

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

CashNetUSA Payday Loans has payday loans 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.

To qualify for payday loans with CashNetUSA Payday Loans, applicants need a minimum annual income of $12,000 or higher. CashNetUSA Payday Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the CashNetUSA Payday Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by CashNetUSA Payday Loans. Permanent resident / green card holders are also eligible to apply.

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). However, they may look at other databases to check your payment history.

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

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

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

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: 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

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.

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.


  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
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 $12,000
No Other Outstanding Loans
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
Minimum Monthly Income $1,000
Funding Time Range 0 - 1 day
No Credit Check
Direct Deposit
Instant Decision
Online Application
APR 86.9% - 1,140.63%
Loan Term Up to 35 days
Loan Amount $100 - $1,500

CashNetUSA Payday Loans Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of -26, equating to 2.5 on a 5 point rating scale.


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.

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