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4.3
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 23 Reviews

Interest & Costs

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Flexibility & Terms

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Website & Functionality

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Support & Service

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Features
  • Quick, user-friendly online application
  • Customer support via email and phone
  • Lender network includes both state and Tribal lenders
  • All credit types considered
Pros & Cons
  • Fast loan application process
  • Cash deposits directly into your account
  • High APRs possible
  • Not a direct lender

CashUSA Review

Stuck in a financial bind and need cash fast? You’re not alone. Millions of Americans struggle to find reliable, quick loan solutions amidst a sea of confusing options. CashUSA claims to be the answer – but is it really the financial lifeline you’re looking for?

We’ve spent over 15 hours analyzing CashUSA to bring you this review. Whether you’re facing unexpected bills, looking to consolidate debt, or just need to bridge a gap between paychecks, we’ll help you decide if CashUSA is the right choice for your wallet.

Here’s a snapshot of what CashUSA offers:

FeatureDetails
Loan Amount$500 – $10,000
Loan Terms90 days – 72 months
Credit Score RequirementAll credit types accepted
Funding SpeedAs fast as 1 business day
Application FeeNo fee to apply
Repayment MethodAutomatic monthly payments
Security256-bit SSL encryption
Chosen 27,839 times
  • Quick, user-friendly online application
  • Customer support via email and phone
  • Lender network includes both state and Tribal lenders
  • All credit types considered
Min Loan Amount500
Max Loan Amount10000
Lowest APR5.99
Highest APR35.99
Min Loan Term3 Months
Max Loan Term6 Years
Accepts bad credit:Yes.
Minimum Age18

What is CashUSA?

CashUSA is an online loan broker that connects borrowers with suitable lenders.

Through its network of lenders, CashUSA offers borrowers loans between $500 and $10,000. The maximum loan amount available to a borrower will depend on their creditworthiness.

However, according to CashUSA’s website, consumers with low credit scores will unlikely receive a loan greater than $1,000.

Borrowers can repay their loans in 90 days or stretch the payment terms to up to 72 months on approved credit.

Read more Cash USA reviews below or submit your own.

How CashUSA Works

With more than a million users every month, CashUSA offers a simple and straightforward online loan platform.

Borrowers simply need to enter their details online and they will receive offers from reputable lenders. CashUSA sends your submitted form to multiple lenders at the same time, so that you can compare multiple offers.

You can also read more CashUSA.com reviews at the bottom of this page.

Loan Requirements

Here are the loan requirements when applying for a CashUSA loan:

  • Be at least 18 years of age (older dependant of state)
  • U.S Citizen or permanent resident
  • Have a minimum post-tax income of $1000 per month
  • Provide a current email and phone number
  • Have an active checking account

Applications usually take only a few minutes and once you receive your offers, you can review and accept the loan terms immediately.

Rates & Fees

CashUSA loans come with APR rates of between 5.99% and 35.99%.

Example: A loan of $5,000 over 36 months with an APR of 18% will equal monthly payments of $179.35 with a total loan amount of $6,456.68.

Payment Terms

Repayment terms on a CashUSA loan are from 3 months to 72 months.

Loan offers from Cash USA may come with an origination fee, depending on the lender. Different offers may also have unique interest rates and payment terms.

How To Apply for a CashUSA Loan

Step 1

Apply Online

Visit CashUSA.com and submit your loan request. This will require some basic information like the loan amount, what you need it for, your date of birth, and zip code. This will also trigger a soft credit inquiry.
Step 2

Receive Loan Offers

Once you’ve submitted your details you’ll be presented with suitable loan offers. Review the offers to see if one suits you needs, before you proceed to apply. Once you do, it will trigger a full credit check. 
Step 3

Loan Approval

Once your application has been submitted and reviewed, you’ll be notified of the outcome. Since the terms differ from one lender to the next, you may receive your loan as soon as the next day.

Requesting a personal loan from CashUSA.com only takes a few minutes. This will result in a soft credit pull that does not impact your credit score.

You’ll get the process started by sending the network your initial online loan request. Your zip code, birth year, and the last four digits of your Social Security number are needed for this.

Your full name, address, whether you are an active duty military member, the amount of the loan, and your credit score range will all be requested on the page that follows. This can range from subpar (a score of 579 or lower) to outstanding (at or above 740).

As this is a personal loan, there are no restrictions on how you can use the money. You can use it for debt consolidation, emergency expenses, car repairs, home improvements, and more.

Our CashUSA Review

CashUSAScore (0-5)Why
Website & Apps★★★★☆The website is user-friendly and easy to navigate; however, no dedicated mobile app is available.
Reputation★★☆☆☆Mixed reviews with a low rating on Trustpilot (2/5) and several complaints on BBB.
Customer Service★★☆☆☆Customer service appears to be lacking, with users reporting issues with responsiveness.
Security★★★★☆Uses encryption and safe data handling practices, but concerns about third-party marketing exist.

CashUSA has a simple and straightforward online loan application process and can connect you with many well-known U.S. lenders in just a few minutes.

CashUSA loans are a good option if you are looking for a bad credit loan or have a credit history that needs some work.

    CashUSA Cons

  • Small loan amounts up to $10,000

  • High APRs possible

  • Not a direct lender

At Financer.com we always recommend that you shop around to find a lender that suits your personal needs.

Customer Service

CashUSA.com offers support via email, phone, and online. There is no CashUSA login available but you can apply for a loan online in minutes.

Want to leave feedback? Add your CashUSA.com review below.

FAQs

How much can I borrow?

You can borrow up to $10,000 with a Cash USA loan.

What happens if I pay late?

When you accept the loan agreement you agree to pay back to loan principle and charges in a specific time. If you are late with payments, late fees may apply. CashUSA can’t determine the specific penalty or late fee as this depends on the lender you take out your loan from. 

Is CashUSA.com secure?

Yes. CashUSA.com uses industry-standard encryption to process your personal information. Read more about their privacy policy here.

What are the loan terms?

You can borrow up to $10,000 for up to 72 months. The APR on CashUSA loans varies from 5.99-35.99%.

Is CashUSA loan legit?

CashUSA is a reputable lending platform that works with many lenders throughout the US.

Is CashUSA a payday loan?

CashUSA provides a range of payday loans for US consumers with an easy online application process. 

How long does CashUSA take?

Loan requests from CashUSA can be approved in minutes and money can be deposited into your account as soon as the next business day.

CashUSA.com Alternatives

Some alternatives to CashUSA.com include:

LenderLoan AmountTermsApply >
PersonalLoans.com$500 – $35,000Up to 72 monthsApply
BadCreditLoans$500 – $10,000Up to 36 monthsApply
5KFunds$100 – $35,000Up to 72 monthsApply
LoansUnder36$500 – $35,000Up to 72 monthsApply

You can view a complete list of online lenders here.

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At Financer.com, we're committed to helping you with your finances. All our content abides by our Editorial Guidelines. We are open about how we review products and services in our Review Process and how we make money in our Advertiser Disclosure.

Reviews of CashUSA

CashUSA is rated 79 out of 179 companies in total rating and got an average review score of 4.3 based on 23 reviews. Their weakness is Interest & Costs and their strength is Flexibility & Terms.
Customer reviews
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SN
Steven Nash 1 review | January 31, 2024
General Review
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Upsides
Game-changer for my finances. Application is easy. Terms and fees are well layed-out, no hidden fees. competitive and realistic rates. good customer service.
Downsides
********
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DE
Davis Ewing 2 reviews | December 10, 2023
General Review
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Upsides
CashNetUSA has excellent customer service and swift approval time. The support team is not only professional but also understanding of the challenges I am financially facing. Transparency in terms of fees and repayment terms is a notable strength of CashNetUSA. Overall I am very pleased with them.
Downsides
None -------
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KF
Kylie Foster 1 review | October 3, 2022
General Review
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Upsides
Amazing service
Downsides
Nothing they are great
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AQ
Aqurfeb 1 review | October 3, 2022
General Review
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Upsides
Great!
Downsides
n/a
Post reply
AR
Akash rathod 1 review | September 1, 2022
General Review
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SL
shawn lebbanon 1 review | April 30, 2021
General Review
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Upsides
functionally to say the lease
Downsides
the price is what three mw off
Post reply
WL
Woo Long fang 1 review | April 29, 2021
General Review
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Upsides
the best empierce in a money company i know of
Downsides
too prices
Post reply
Emir Özcan 1 review | April 27, 2021
General Review
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Upsides
They have really great customer service, they were careful and made sure I understood everything and asked if I had any questions. My questions were answered with a professional but honest answer, I recommend!
Downsides
I guess I don't have a bad idea about the company.
Post reply
EG
Emery Gray 1 review | April 12, 2021
General Review
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Upsides
Easy enough to enter your information and get a list of potential lenders
Downsides
As another user as mentioned, CashUSA isn't accredited by the BBB which makes me a bit nervous. Also be prepared to receive TONS of communication from both CashUSA directly and those they pass your information on to as soon as you hit submit.
Post reply
AT
Anthony Tyler 1 review | April 9, 2021
General Review
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Upsides
Quick and easy to understand process for getting a loan
Downsides
Doesn't seem to offer a high loan limit, but still is a reasonable amount offered.
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