CashUSA Review

— Review updated Oct 2025

Written by Joe Chappius

- Oct 29, 2025

Edited by Sam Onelia

Reviewed by Ricardo Laizo

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

It is a free loan aggregator with APRs set by lenders, ranging from moderate to high. Borrowers can repay their loans in 90 days or stretch the payment terms to up to 72 months on approved credit.

Terms are disclosed only post-application. Transparency is limited, and no support response was received.

Read the full review

CashUSA At glance

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

CashUSA receives mixed reviews online, with significant customer concerns about data privacy and marketing practices. Many customers report being flooded with unwanted calls and emails after applying.

Company name

CashUSA

Website

https://www.cashusa.com/

Phone

866-973-6587

Email

support@cashusa.com

Address

3315 E Russel Rd Ste A-4 Box #105, Las Vegas, NV 89120

Pricing

APR ranges from 5.99% to 35.99%, with borrowers with bad credit receiving rates on the higher end. As a loan connection service, additional fees may be added by lenders, making overall costs significantly higher than traditional banking options.

Customer Support

Unfortunately, during our testing, we received no response from the support team and, even if we did, we doubt that they could have provided too many information about a potential loan since they are only an aggregator and not a direct lender.

Terms and Flexibility

Terms vary by lender, disclosed only after offers are made. Transparency and flexibility are limited, though basic security and compliance measures are mentioned.

Pros & Cons

Quick and Convenient Application Process: CashUSA.com offers an online application process that can be completed quickly, often in a matter of minutes, making it convenient for those who need immediate financial assistance.
Loan Marketplace Model: As a loan marketplace rather than a direct lender, the company connects borrowers with multiple potential lenders, increasing the chances of finding a loan option that matches their specific needs and circumstances.
Accessibility for Various Credit Profiles: Based on available information, CashUSA appears to cater to borrowers with a range of credit profiles, including those with less-than-perfect credit who might have difficulty obtaining traditional loans.
Educational Resources: The platform provides financial education resources to help borrowers make more informed decisions about their loans and general financial management.

Potentially High Interest Rates: As a marketplace that includes lenders who work with borrowers with poor credit, many of the loans available through CashUSA.com likely come with relatively high interest rates compared to traditional bank loans.
Limited Direct Control Over Terms: Borrowers have limited control over the specific terms they'll be offered, and these can vary significantly between lending partners.

Details

CashUSA Loan

Terms & fees

Loan amount$500 - $10,000

Term3 months - 6 years

Annual interest rate5.99% - 35.99%

Origination feeVaries by lender

Monthly feesVaries by lender

Requirements

Minimum age18

Minimum income$1,000

National bank requiredYes

National phone number requiredYes

Citizenship requiredYes

Electronic identificationYes

Features

Cosigner possibleNo

Revocation periodYes

Accept bad credit historyYes

Weekend payoutNo

Loan extensionsNo

Early paybackYes

Payment within 24 hoursYes

Loan brokerYes

Interest free loanNo

Additional fields

Payment hoursAlways open

Approval rate80%

High approval rateNo

Credit check companyExperian, TransUnion, Equifax

Recommended companyYes

Get started

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:

Feature	Details
Loan Amount	$500 - $10,000
Loan Terms	90 days - 72 months
Credit Score Requirement	All credit types accepted
Funding Speed	As fast as 1 business day
Application Fee	No fee to apply
Repayment Method	Automatic monthly payments
Security	256-bit SSL encryption

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.

Apply for a CashUSA Loan Now

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

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.

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.

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.

FAQs About CashUSA.com

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:

Lender	Loan Amount	Terms	Apply >
PersonalLoans.com	$500 - $35,000	Up to 72 months	Apply
BadCreditLoans	$500 - $10,000	Up to 36 months	Apply
5KFunds	$100 - $35,000	Up to 72 months	Apply
LoansUnder36	$500 - $35,000	Up to 72 months	Apply

You can view a complete list of online lenders here.