23 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

  • Loans between $500 – $10,000
  • Up to 72 months to repay
  • Interest rates 5.99 – 35.99%
  • All credit types considered
Author  Joe Chappius
Last updated: October 12, 2023
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CashUSA Review


  • Loans between $500 – $10,000

  • Up to 72 months to repay

  • Interest rates 5.99 – 35.99%

  • Funds direct deposited into a designated account

  • Accessible 24/7

  • All credit types considered

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.

Chosen 26,778 times
  • Loans between $500 – $10,000
  • Up to 72 months to repay
  • Interest rates 5.99 – 35.99%
  • All credit types considered

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.

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

👉 View a complete list of online lenders here.

Our CashUSA Review

    CashUSA Cons

  • Small loan amounts up to $10,000

  • High APRs possible

  • Not a direct lender

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.

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.


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.

Was this article helpful?

3 out of 3 found this helpful

Reviews of CashUSA

CashUSA is rated 89 out of 316 companies in total rating and got an average review score of 3.8 based on 23 reviews. Their weakness is Interest & Costs and their strength is Website & Functionality.
Customer reviews
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Kylie Foster 1 review | October 3, 2022
General Review
Amazing service
Nothing they are great
Post reply
Aqurfeb 1 review | October 3, 2022
General Review
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Akash rathod 1 review | September 1, 2022
General Review
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Nadia Soto 1 review | December 5, 2021
Personal Loan Review
Absolutely nothing.
Wasted my time.
Post reply
shawn lebbanon 1 review | April 30, 2021
General Review
functionally to say the lease
the price is what three mw off
Post reply
Woo Long fang 1 review | April 29, 2021
General Review
the best empierce in a money company i know of
too prices
Post reply
Emir Özcan 1 review | April 27, 2021
General Review
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!
I guess I don't have a bad idea about the company.
Post reply
Emery Gray 1 review | April 12, 2021
General Review
Easy enough to enter your information and get a list of potential lenders
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
Anthony Tyler 1 review | April 9, 2021
General Review
Quick and easy to understand process for getting a loan
Doesn't seem to offer a high loan limit, but still is a reasonable amount offered.
Post reply
pranesh 1 review | December 31, 2019
General Review
Online portal that connects borrowers with lenders
It isn't accredited by BBB
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