Company Profiles

CashNetUSA Overview and Alternatives

Date Modified: Jan 13, 2023
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Established in 2004, CashNetUSA is an online lender that offers payday loans, installment loans, and lines of credit. CashNetUSA may utilize an alternative-scoring mechanism to consider income and credit score when determining eligibility. As a result, borrowers with damaged credit scores may still find financing through CashNetUSA. Additionally, the lender offers educational resources and discount programs.

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CashNetUSA offers financial products to borrowers in Alabama, Alaska, California, Delaware, Florida, Idaho, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Wisconsin, and Wyoming.

Products and Services

CashNetUSA has a wide range of products and services to help borrowers address emergency financial problems. Consider your needs to determine if the following are a good fit:


Payday loans

Short-term cash advances that are repaid within two weeks.

Installment loans

Larger-sum advances that are repaid in equal monthly payments.

Lines of credit 

24/7 access to a predetermined amount.


Educational services

Topics include credit building, budgeting, and retirement planning.

Discount programs 

Includes healthcare, food, utilities, and childcare.

Rates and Fees

The loan amount, rates, terms, and fees depend on state rules and regulations. Additionally, the rates and fees of the loan are also affected by your income and credit history.

On average, CashNetUSA offers payday loans ranging between $100 and $600, whereas installment and lines of credit are from $100 to $3,500.  Loan terms range from six to 24 months, and APR is between 85% and 450%. 

How to Apply for a Loan with CashNetUSA

Step 1. Apply online

Start the online application form by providing your personal and financial information.

Step 2. View terms and rates

If you are eligible, you can view your loan amount, rates, and repayment terms. Carefully review this information prior to signing the loan agreement. 

Step 3. Submit

If approved, you may receive the funds in as little as one business day.

Pros and Cons of CashNetUSA

CashNetUSA offers various financial products and services. Consider your financial needs to determine which loan product will be most beneficial for you.



Variety of financial products and services

Limited loan amounts and terms

Alternative scoring mechanism to determine elibility

High APRs

Credit bureau reporting for credit building

Not available in all states 


What Is CashNetUSA?

CashNetUSA is an online lender offering payday loans, installment loans, and lines of credit. The lender may be willing to offer financing to borrowers with damaged credit. Additionally, they offer discount programs and education services to help individuals build financial stability. Typically, payday loan offerings are from $100 to $600. Installment loans and lines of credit range between $100 and $3,500. 

What is the Minimum Credit Score That CashNetUSA Will Consider?

CashNetUSA does not state a minimum score requirement. Instead, the lender may use an alternative scoring mechanism to determine eligibility. As a result, income can also be taken into consideration when making a decision. 

CashNetUSA may be willing to accept less-than-perfect credit scores. Therefore, even if other lenders have denied you, CashNetUSA may still be willing to work with you.

Can I Have a Payday Advance and Installment Loan at the Same Time?

No. Borrowers are only allowed one active loan at a time.

What if I Miss a Payment?

CashNetUSA does not specify whether they charge late payment fees. It is best to consult with the lender to determine if any penalties will be added. Alongside additional fees, a missed payment may also negatively affect your credit score. If you already suffer from damaged credit, this can further impact your score. 

If you believe that you may miss a payment, reach out to your lender as soon as possible.

In some cases, they may be willing to offer you an extension to avoid fees and credit damage.

Is CashNetUSA Safe?

Yes, CashNetUSA has a secure online application platform.

Additionally, the lender has numerous top ratings from several consumer reporting agencies and websites.  

How Much Does CashNetUSA Charge for Interest?

CashNetUSA typically charges upwards of 100% in APR. However, these rates are subject to change based on the state, type of loan product, and borrower’s qualifications. For instance, certain states set regulations on APR charges.

Additionally, credit score plays a significant factor in the rate a lender offers. Therefore, although this is the standard for CashNetUSA, the rate you’re offered may be different based on your eligibility.

What About Other Fees?

CashNetUSA does not specify whether they charge additional fees. However, some states require application and processing fees; therefore, it is best to discuss these possibilities with the lender before signing a loan agreement.

Can I Get a CashNetUSA Loan if I am Not Employed?

CashNetUSA does not specify whether they work with unemployed applicants. However, the lender may consider income when determining eligibility. Therefore, it is best to contact them and inquire into the loan options that may be available to unemployed borrowers. 

How Many Times Can You Take Out a Loan?

Borrowers are only allowed to have one active loan at a time.

Additionally, some states limit the number of loans an individual may obtain. Therefore, it is best to discuss these options with CashNetUSA to ensure you comply with industry and state regulations.

Alternatives to CashNetUSA

Despite CashNetUSA’s wide range of products and services, some borrowers may have different needs. If this is the case, there are various other alternative lenders who can provide you with financial assistance.



Avant offers several options that CashNetUSA doesn’t, including APR limits and higher loan amounts. Although Avant charges interest on its payday loans, the APR ranges between 9.95% to 35.99%.

Additionally, Avant allows its borrowers the option to pay via credit card. 

Avant also provides higher-sum loans, ranging up to $35,000. Of course, qualifying for a larger loan depends on your eligibility and qualifications, and not all applicants may be eligible. 

Avant is available in Alabama, Alaska, Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, and Washington. 

Check ‘n Go

If you are hesitant to complete a loan application online, Check ‘n Go offers in-store options. The lender was founded in 1994 and has been in business for 25 years, servicing more than 50 million loans. Check ‘n Go has over 1,000 locations in 22 states across the United States. The products and service offerings include payday loans, installment loans, check cashing, and prepaid MasterCards.

Additionally, Check ‘n Go has several high ratings on various consumer rating websites. 

Cash Express

Despite CashNetUSA’s range of services, the company may not offer what you’re looking for. A great alternative that provides more products and services is Cash Express. Among these are flex loans, payday loans, installment loans, title loans, check cashing, pawn loans, and cash for gold. 

Although Cash Express does not process online applications, they have several brick-and-mortar stores across the country.

Additionally, applicants do not have to have stellar credit to be eligible for a loan through Cash Express. The lender may be willing to work with individuals who have damaged or low credit scores to help them find financing options. 

Bottom Line

CashNetUSA is an online lender with a range of products and services, including payday loans, installment loans, and lines of credit. The company also offers discount programs and educational services. Loans range between $100 and $3,500. However, standard APR is in the triple digits. Therefore, consider your financial needs and eligibility before obtaining a loan.

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Ana-Maria Sanders, author at OpenLoans
Lead Writer
Ana-Maria Sanders is a highly-regarded writer with over a decade of expertise in the personal finance sphere, specializing in loans and credit cards.
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