CashUSA Personal Loans
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| APR (Variable APR) |
5.99% - 35.99% (Verified 09/08/2023) |
| Loan Amount | $500 - $10,000 |
| Loan Term (Months) | 3 - 72 months |
CashUSA Personal Loans Review
CashUSA Personal Loans is offered by CashUSA, a direct lender founded in 2012 and based in Las Vegas, NV. Personal Loans are available in 50 states (and Washington, DC).
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 5% and 36%. The starting rates for CashUSA Personal Loans are on the lower end of the spectrum.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your CashUSA Personal Loans early.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for CashUSA Personal Loans.
- Short loan terms. CashUSA Personal Loans have loan terms as short as 3 months.
- Super long loan terms. CashUSA Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Personal Loans Pros & Cons
| Pros | Cons |
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Personal Loans FAQ
What interest rates and personal loan terms does Personal Loans offer?
Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Personal Loans offer?
Personal Loans offers a variable APR personal loan product that ranges from 5.99% APR up to 35.99% APR.
How much can you borrow via Personal Loans?
Personal loan amounts start at $500and go up to $10,000
What is the maximum loan term you can get with Personal Loans?
Personal Loans offers loans with terms of up to 72 months.
| Personal Loan Amount | $500 - $10000 |
| Loan Term | 3 - 72 months |
| APR | 5.99% - 35.99% |
What fees does Personal Loans charge?
Does Personal Loans charge an origination fee?
Personal Loans may charge a personal loan origination fee.
Does Personal Loans charge a late fee?
No, Personal Loans will not charge you a late fee if you miss one of the monthly payments.
Does Personal Loans charge prepayment fees?
No, Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for CashUSA Personal Loans?
CashUSA Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.CashUSA Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. CashUSA Personal Loans only considers borrowers who are employed. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
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. Active duty service members and their covered dependents are eligible to apply for a loan via CashUSA Personal Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by CashUSA Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does CashUSA Personal Loans report your account activity to credit bureaus?
Yes, CashUSA Personal Loans reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
Are CashUSA Personal Loans legit?
Cash USA was founded in 2012, it is a well-established company that has been in business for 11 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
-
3315 E Russell Rd
Las Vegas, NV 89120 - (866) 973-6587
- Visit Site
- Email Support
About CashUSA Personal Loans
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Employment Statuses Considered |
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| Immigration Status Considered |
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| Joint Loan Applications Accepted |
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| Military Status |
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| Minimum Age | 18 |
| Supported Income Types |
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| Verification Documents Required |
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