CashNetUsa is the flagship brand of Enova International, Cash America's internet division. Cash America is the largest payday chain in the world. CashNetUSA was one of the first licensed short-term online lenders and provides a wide selection of credit solutions to borrowers with poor to bad credit, which includes payday loans.

How Does It Work?

The products available vary depending on state laws. In states where payday loans are available, you can have the cash in your bank account the next business day.

What Are The Interest Rates?

Interest rates vary by state, the loan amount, and the type of loan you apply for. The range of interests goes from 187.33% to 912.5%. The maximum APR is for an 8-day loan in Mississippi, which has a $20 finance charge for every $100 you borrow. Payday loans have terms of 8 to 35 days, depending on the state you live in and when your next payday falls.

How Much Money Can I Borrow?

Loan amounts vary by state. In some states, the maximum loan amount is a percentage of your monthly income. For instance, in Rhode Island, the maximum loan amount is 20% of your monthly income or $1,500, whichever is less. 

What Is the Application Process Like?

The application process is entirely online, and it only takes a few minutes to get a reply. As is the case with most payday lenders, CashNetUSA does not base eligibility on your credit score. Nevertheless, you may not qualify for loans if you have defaulted on past transactions.

How Is It Better Than Other Payday Loans?

CashNetUSA is a division of the largest payday lender in the world. The main features of CashNetUSA are its flexible eligibility criteria, customer service, and that it is available in most states.

The APRs are high, but it's hard to beat as a fast source of cash in an emergency. 

  • Loan Amount
    $100 - $2250
  • APR
    31.94% - 435.19%
  • Credit Score Range
    300 - 700
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
  • Minimum Annual Income
  • Minimum Monthly Income
  • No Other Outstanding Loans
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Loan Fee
    $15.49 - $375
  • Direct Deposit
  • Instant Decision
  • Online Application
  • Max Loan Term (days)
  • No Credit Check
  • Funding Time
    Same day
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0 votes

How many hours do it take for the money to be deposited into my account I did this last night anybody can tell me please

0 votes

no half star? They deserve zero stars

Obviously you are a bit desperate if you do a payday loan, but they then take full advantage of these desperate people.

One example: you take a $1k loan and offer to pay it off in half the time (7 days out of the 14 or so time it's due). How much discount does that get you? TWO DOLLARS. Most of their fees are flat rate fees, so the second you take a loan, you are obligated to pay about 20% guaranteed.

Another ... example. They sometimes push through debit charges to your bank account 1-2 days early from when you say your pay date is.

They are heartless, thieving bastards, and they deserve a slow painful death.
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0 votes

I applied for a loan at cashnet before I saw all these reviews. I got approved, so I guess its so far better than most. I got a very small short term loan that I can obviously pay back given my income. I hope nothing goes wrong, but as long as I follow the terms I dont see how it could

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