CashUSA Personal Loans
CashUSA Personal Loans
in Personal Loans from Cash USA

CashUSA Personal Loans

in Personal Loans from Cash USA
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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
  • Low APRs available to qualified borrowers.
  • Accepts cosigners and coborrowers.
  • APRs as high as 35.99%.
  • Charges an origination fee.
  • Does not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee

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 Loans Interest Rates & Loan Terms
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.

Personal Loans Fees
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
Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Co-borrowers
  • Cosigners
  • Individual Applications
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.

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.


Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

About CashUSA Personal Loans


  Available in 50 states and Washington, D.C.
  • 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
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Credit/Debit Card
  • Cash
  • Bank Transfer
APR Type Variable APR
Loan Amount $500 - $10,000
APR (Variable APR) 5.99% - 35.99%
(Verified 09/08/2023)
Loan Term 3 - 72 months

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