CashNetUSA Personal Loans

CashNetUSA Personal Loans

in Personal Loans from Enova International


CashNetUSA Personal Loans


in Personal Loans from Enova International

SuperMoney Net Recommendation Score -20% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly not recommended

2 users recommend
0 users are unsure
3 users don't recommend
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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
  • $0 prepayment fee.
  • CashNetUSA Personal Loans does not report to credit bureaus.
  • Considers applicants with poor credit.
  • Fast funding.
  • APRs as high as 449%.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges a late fee of up to $18.
  • No co-sign option.

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.

CashNetUSA Personal Loans Rates & Terms
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.

CashNetUSA Personal Loans Fees
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
CashNetUSA Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • 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.

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    • Headquarters
    •   175 W. Jackson Blvd.
      Suite 1000
      Chicago, IL 60604 USA
    •   Visit Site

    Message from Enova International

    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 Enova International

    Icon for Personal Loans
    View all personal loans offered by Enova International


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

    Feature Breakdown

    No Prepayment Fee  
    Late Fee After 10 days
    Late Fee Amount $18
    Checking Account Required  
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    Credit Score Range 500 - 640
    Loan Amount $300 - $3,500
    APR (Fixed APR) 89% - 449%
    Loan Term 6 - 24 months

    CashNetUSA Personal Loans Community Reviews


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