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Where does CashNetUSA do business?

CashNetUSA is a direct lender based in Chicago, IL. It was founded in 2005 and offers personal lines of credit in 4 states across the USA.

What are the APRs offered via CashNetUSA?

CashNetUSA offers a fixed APR personal line of credit that ranges from 89% up to 449%. Interest rates vary by state.

Does CashNetUSA charge an origination fee?

Yes, CashNetUSA charges a line of credit origination fee. Origination fees and requirements vary by state.

Does CashNetUSA charge a cash advance fee?

Yes, CashNetUSA charges a fee.

Does CashNetUSA charge a late fee?

Yes, CashNetUSA may charge borrowers a late payment fee of up to $18, which is triggered if you're 10 days late.

Does CashNetUSA charge prepayment fees?

No, CashNetUSA does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the line of credit off and close the account.

How much can you borrow via CashNetUSA?

Personal lines of credit start at $300 and go up to $3,500.

What do you need to qualify for a line of credit with CashNetUSA?

Applicants with a credit score of at least 500 can apply for a line of credit via CashNetUSA. The minimum age to apply for a line of credit is 18 or the state minimum, whichever is higher.

CashNetUSA will also consider borrowers who are unemployed.

Active duty servicemembers and their covered dependents cannot apply for a line of credit via CashNetUSA. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

Only U.S. citizens and permanent residents can apply for a line of credit.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for a personal line of credit via CashNetUSA?

CashNetUSA will typically approve (or deny) a line of credit application within 24 hours and fund personal lines of credit within 7 business days of approval.

Does CashNetUSA report payments to credit bureaus?

CashNetUSA may report credit data to the following credit reporting agencies:

  • Alternative credit bureaus (not Transunion, Experian, or Equifax)
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  • Headquarters
  •   200 West Jackson Suite 2400
    Chicago, IL 60606 USA
  •   Visit Site

Message from CashNetUSA

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.

Other Services by CashNetUSA


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 4 states
  • Idaho
  • Kansas
  • Utah
  • Virginia

Feature Breakdown

No Prepayment Fee  
Late Fee After (number of days) 10
Late Fee Amount $18
Minimum Age 18
Credit Score Range 500 - 640
850 300 500 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Minimum Draw $50
Loan Amount $300 - $3.5K
APR (Fixed APR) 89% - 449%



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