CashNetUSA Personal Loans
in Personal Loans from Enova International
Would you recommend CashNetUSA Personal Loans to your friends?
| Community Rating | Mostly not recommended |
| Loan Amount | $300 - $3,500 |
| APR (Fixed APR) | 89% - 449% |
| Loan Term | 6 - 24 months |
| Number of Reviews | 5 |
CashNetUSA Personal Loans Review
CashNetUSA Personal Loans is offered by Enova International, a direct lender founded in 2009 and based in Chicago, IL. CashNetUSA Personal Loans is available in 8 states across the USA.
Key takeaways
- Fast access to cash. In some cases you can get your money within 1 business day.
- Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 500 are considered for CashNetUSA Personal Loans.
- Hard credit pull required. You can't check your rates or see if you prequalify for CashNetUSA Personal Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- Short loan terms. CashNetUSA Personal Loans offers loan terms as short as 6 months. Most personal loans have a minimum term of 12 to 36 months.
CashNetUSA Personal Loans Pros and Cons:
| Pros | Cons |
|---|---|
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What rates and terms does CashNetUSA Personal Loans offer?
CashNetUSA Personal Loans has higher interest rates than the average for lenders reviewed on SuperMoney.
What APR rate does CashNetUSA Personal Loans offer?
CashNetUSA Personal Loans offers a fixed APR personal loan product that ranges from 89% APR up to 449% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
How much can you borrow via CashNetUSA Personal Loans?
Loan amounts start at $300 and go up to $3,500.
What can a personal loan from CashNetUSA Personal Loans be used for?
Personal loans from CashNetUSA Personal Loans are typically used for special purchases, unexpected expenses or similar purposes.
What is the maximum loan term you can get with CashNetUSA Personal Loans?
CashNetUSA Personal Loans 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.
| Loan Amount | $300 - $3500 |
| Loan Term | 6 - 24 months |
| APR | 89% - 449% |
What fees does CashNetUSA Personal Loans charge?
Does CashNetUSA Personal Loans charge an origination fee?
CashNetUSA Personal Loans may charge a loan origination fee.
Does CashNetUSA Personal Loans charge a late fee?
Yes, CashNetUSA Personal Loans may charge borrowers a late payment fee of up to $18, which is triggered if you're 10 days late.
Does 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 loan off early.
| Origination Fee | N/A |
| Prepayment Fee? | No |
| Late Payment Fee | $18 |
What do you need to qualify for CashNetUSA Personal Loans?
Applicants with a credit score of at least 500 and up to 640 are eligible for CashNetUSA Personal Loans. 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. CashNetUSA Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.
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. APRs for the CashNetUSA Personal Loans product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by CashNetUSA Personal Loans. Permanent resident / green card holders are also eligible to apply.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid checking account
- Recent pay stubs
- Driver's license
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 500 - 640 |
What is the estimated funding time for a personal loan via CashNetUSA Personal Loans?
CashNetUSA Personal Loans will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 business days of approval.
Contact
- Headquarters
-
175 W. Jackson Blvd.
Suite 1000
Chicago, IL 60604 USA - Visit Site
Message from Enova International
Other Services by Enova International
Availability
- Delaware
- Mississippi
- Missouri
- New Mexico
- Ohio
- Tennessee
- Texas
- Wisconsin
Feature Breakdown
| No Prepayment Fee | |
| Late Fee After | 10 days |
| Late Fee Amount | $18 |
CashNetUSA Personal Loans Community Reviews
Other Personal Loans
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Loan Amount
$1K - $10K
APR
34% - 155%
Loan Term (Months)
6 - 60
