Is CashNetUSA Line of Credit the right fit for you?
Last Updated: 10/23/2025
CashNetUSA Line of Credit
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Last Updated: 10/23/2025
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Highlights
Amount Range
$100 - $3,000
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APR (Fixed APR)
229% - 325%(Verified 10/23/2025)
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CashNetUSA Line of Credit Review
CashNetUSA was founded in 2004 and is part of the publicly traded company Enova International (NYSE:ENVA). CashNetUSA offers products in 12 states across the USA.
Key Takeaways
- APRs starting at 229%. Interest rates typically range between 8% and 36%. The starting rates for CashNetUSA Line of Credit are on the higher end of the spectrum.
- Fast access to funds. Approvals are generally funded the same or next business day. See CashNetUSA's Disclosure below for additional information*.
- No origination fee. CashNetUSA Line of Credit does not charge an origination fee.
- No late fees. CashNetUSA Line of Credit will not charge additional fees if you miss the due date on a payment.
CashNetUSA Line of Credit Pros & Cons
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CashNetUSA Line of Credit FAQ
What APRs does CashNetUSA Line of Credit offer?
CashNetUSA Line of Credit offers an APR that ranges from 229% APR up to 325% APR.
Does CashNetUSA Line of Credit charge a cash advance fee?
CashNetUSA charges a 15% transaction fee on the amount drawn for each cash advance draw in some states, and no transaction fees in other states. Visit the Rates & Terms page for more information about fees in your state.Does the CashNetUSA Line of Credit charge a statement balance fee?
No, this lender does not charge a statement balance fee. CashNetUSA Line of Credit charges interest according to the applicable APR.
Does CashNetUSA Line of Credit charge a late fee?
No, they will not charge you a late fee.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Origination Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Prepayment Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Late Fees? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
How much can you borrow via CashNetUSA Line of Credit?
Upon approval and based on your credit history, your personal line of credit will be assigned a credit limit of at least $100 and as much as $3,000.
What do you need to qualify for CashNetUSA Line of Credit?
When it comes to credit scores, CashNetUSA Line of Credit doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
CashNetUSA Line of Credit 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 Line of Credit.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a personal line of credit?
CashNetUSA will typically approve (or deny) a loan application the same day.
Approved loans are generally funded the same business day for applications approved before 1:30 PM CT Monday - Friday, or the next business day for applications completed outside of those windows. Delays may occur if additional verification or documents are required.*
Does CNU Online Holdings, LLC perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. CashNetUSA Line of Credit allows you to check your rates with a soft credit pull.
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.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
How to apply for CashNetUSA Line of Credit
- Visit the website .
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
CashNetUSA Line of Credit Disclosure: CashNetUSA Line of Credit Disclosure: Credit eligibility is not guaranteed and not
available in all states. All loans and terms are subject to lender approval based on
your application. Please see cashnetusa.com/rates-and-terms for additional terms
and conditions that apply. This information is representative of what may be
available to you; you may see additional options or different terms once you
continue the application process on the CashNetUSA website depending on your
application, creditworthiness, amount financed, term length and other factors.
Depending on your state, your loan may be originated by CashNetUSA or its
partner lender White Oak. Approval and terms may vary based on application
details and qualifications. Rates and fees are subject to change, not all will qualify
for the lowest APR rates or highest terms or amounts, and your loan details will be
determined at the time of your application. You may be asked to provide additional
documents to verify your income, identity, bank account and other information.
Transaction fee applies in some states. See contract and cashnetusa.com/ratesand-
terms for additional details. Loan closing may require acceptance of certain
agreements and disclosures. A representative example of a CashNetUSA Line of
Credit is as follows: a $2,000 line of credit with one $1,000 cash advance draw, a
15% transaction fee on the amount drawn resulting in $850 provided to the
consumer, a 299% APR and 13 bi-weekly payments of $166.01, resulting in total
payments of $2158.13.
*Applications approved before 1:30 p.m. CT Monday-Friday are generally funded
the same business day. Applications approved and draws requested at other times
are generally funded the next business day. Some applications may require
additional verification. In such cases, if approved, funds will be disbursed by the
following business day after the additional verifications are complete. Note that the
exact timing as to when your loan funds will be available will be determined by your
banking institution.
CashNetUSA is not an affiliate of Super Money LLC, which is an unrelated third
party. CashNetUSA is not responsible for any products, services or information
provided by Super Money LLC. CashNetUSA and Super Money LLC may
exchange compensation.
CashNetUSA is a trademark of CNU Online Holdings, LLC.
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.
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Rating not yet determined
Amount Range
$500 - $4.5K
APR
51.1% - 434.5%
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