in Personal Loans

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Where does CashNetUSA do business?

CashNetUSA is a direct lender based in Chicago, IL. Founded in 2005, CashNetUSA offers access to personal loans in 8 states across the USA.

What are the APRs offered via CashNetUSA?

CashNetUSA has a fixed APR that ranges from 89% up to 449%.

Does CashNetUSA charge an origination fee?

Yes, CashNetUSA charges a loan origination 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 loan off early.

How much can you borrow via CashNetUSA?

Loan amounts start at $300 and go up to $3,500.

What is the maximum loan term you can get with CashNetUSA?

CashNetUSA offers personal loans with terms ranging from 6 to 24 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with CashNetUSA?

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

CashNetUSA will also consider borrowers who are unemployed as long as they meet the minimumum annual income requirements.

Active duty servicemembers and their covered dependents cannot apply for a loan 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 loan.

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 loan via CashNetUSA?

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

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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


Available in 8 states
  • Delaware
  • Mississippi
  • Missouri
  • New Mexico
  • Ohio
  • Tennessee
  • Texas
  • Wisconsin

Feature Breakdown

No Prepayment Fee
Late Fee After (number of days)
Late Fee Amount
Minimum Age
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
  • Only Individual Applications
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount
$300 - $3.5K
$100 $100K+
Loan Term (Months)
6 - 24
1 180
(Fixed APR)
89% - 449%
4% 100%+


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