Is CashNetUSA Personal Loans the right fit for you?
Last Updated: 04/24/2026
CashNetUSA Personal Loans
Claimed
Last Updated: 04/24/2026
SuperMoney User Recommendation Score +20
Mostly recommended5 total votes
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Highlights
Community Rating
Mostly recommended
APR (Fixed APR)
222% - 579%(Verified 10/23/2025)
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Amount Range
$300 - $2,500
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Loan Term (Months)
5 - 12
Number of Reviews
CashNetUSA Personal Loans 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 222%. Personal loan interest rates typically range between 9% and 36%. The starting rates for CashNetUSA Personal Loans are on the higher end of the spectrum.
- Fast access to funds. Approvals are generally funded the same or next business day. See CashNetUSA Personal Loans Disclosure below for additional information*.
- Small-dollar loans. CashNetUSA Personal Loans has a maximum loan amount of just $2,500 .
- Prequalified rate. You can check your prequalified rate at CNU Online Holdings, LLC with a soft pull that will not affect your FICO or VantageScore.
- No origination fee. CashNetUSA Personal Loans does not charge a loan origination fee.
- No late fees. CashNetUSA Personal Loans will not charge additional fees if you miss the due date on a payment.
- Short loan terms. CashNetUSA Personal Loans have loan terms as short as 5 months.
CashNetUSA Personal Loans Pros & Cons
| Pros | Cons |
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CashNetUSA Personal Loans FAQ
What interest rates and personal loan terms do CashNetUSA Personal Loans offer?
CashNetUSA Personal Loans have higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates do CashNetUSA Personal Loans offer?
CashNetUSA Personal Loans offer a fixed APR personal loan product that ranges from 222% APR up to 579% APR.
How much can you borrow via CashNetUSA Personal Loans?
Personal loan amounts start at $300 and go up to $2,500
What is the maximum loan term you can get with CashNetUSA Personal Loans?
CashNetUSA Personal Loans offers loans with terms of up to 12 months.
| Personal Loan Amount | $300 - $2500 |
| Loan Term | 5 - 12 months |
| APR | 222% - 579% |
What fees do CashNetUSA Personal Loans charge?
Do CashNetUSA Personal Loans charge an origination fee?
CashNetUSA Personal Loans do not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Do CashNetUSA Personal Loans charge a late fee?
No, CashNetUSA Personal Loans will not charge you a late fee if you miss payments.
Do CashNetUSA Personal Loans charge prepayment fees?
No, CashNetUSA 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 | No |
| Late Payment Fee | No |
What do you need to qualify for CashNetUSA Personal Loans?
When it comes to credit scores, CashNetUSA Personal Loans 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 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 CashNetUSA Personal Loans.
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
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 300 - 850 |
What is the estimated funding time for a personal loan via CashNetUSA Personal Loans?
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 CashNetUSA Personal Loans report your account activity to credit bureaus?
CashNetUSA Personal Loans does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help build your credit.
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 Personal Loans allows you to check your rates with a soft credit pull.
Are CashNetUSA Personal Loans legit?
CNU Online Holdings, LLC was founded in 2004, it is a well-established company that has been in business for 22 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
How to apply for CashNetUSA Personal Loans
- 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 Personal Loans Disclosure: CashNetUSA Personal Loans 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/rates-and-terms for additional details. Loan closing may
require acceptance of certain agreements and disclosures. A
representative example of a CashNetUSA Personal Loan is as follows: a
$1,000 loan with a 324.99% APR and a term including nine scheduled
monthly payments of $271.14 and one final payment of $270.95,
resulting in total payments of $2711.21.
*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 SuperMoney LLC, which is an
unrelated third party.
CashNetUSA is not responsible for any products, services or information
provided by SuperMoney LLC. CashNetUSA and SuperMoney LLC may
exchange compensation.
CashNetUSA is a trademark of CNU Online Holdings, LLC.
View CashNetUSA Personal Loans's published terms & conditions
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.
Message from CashNetUSA Personal Loans
Other Services by CNU Online Holdings, LLC
Other Personal Loans from CNU Online Holdings, LLC
Sponsored
NetCredit Personal Loans
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APR
34% - 99.99%
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Amount Range
$1K - $10K
Loan Term (Months)
6 - 60
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +20, or 3.4 on a 5-point rating scale.
+20
-1000+100
No one recommends
Everyone recommends
CashNetUSA Personal Loans Community Reviews
Would you recommend CashNetUSA Personal Loans to your friends?
Kenneth K.
Nov 10, 2023
May or may not recommend
I been trying to get a loan from this bank and all I got was the runaround
MK
Muriel K.
Apr 18, 2019
May or may not recommend
We have a paid-up loan before and we like CashNetUSA.
Debra S.
Aug 28, 2018
May or may not recommend
Good experience all the way. I recommend this lender highly
SB
S B.
Dec 12, 2017
May or may not recommend
Horrible, Bad Customer Service, REDICULOUS FEES! Didn't find out until after my loan, they tack on an extra 25% Right off the bat for their Origination Fees (25 Points)! Then they charge your interest, on their own fees. My $1000 loan cost $250 is Points which at 299% interest costs an extra $62.50 interest in the 1st month alone. Actual payback after 1 month was almost 598% APR.
Also, I ...Show More
U
Anonymous
Jun 23, 2016
May or may not recommend
Don't borrow this loan co it's not good .waist ur timeand $$$$$.
Showing 5 of 5 reviews
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