Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
5.99% - 35.99%(Verified 06/21/2024)
Amount Range
$500 - $10,000
Loan Term (Months)
3 - 72
CashUSA Personal Loans Review
CashUSA Personal Loans is offered by Cash USA, 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 9% and 36%. The starting rates for CashUSA Personal Loans are on the lower end of the spectrum.
- 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
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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 $500 and 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?
Personal Loans does not disclose whether it charges late payment fees.
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.
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 or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does CashUSA Personal Loans report your account activity to credit bureaus?
Yes, CashUSA Personal Loans reports to the following credit bureaus:
- 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 build your credit.
Does Cash USA perform a hard credit pull?
Yes, Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are CashUSA Personal Loans legit?
CashUSA was founded in 2012, it is a well-established company that has been in business for 14 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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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