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CashUSA Reviews: Everything You Need To Know In 2022

Last modified: Sep 29, 2022

Loan Types: Personal instalment loans
Loan Amount: $500-$10,000
APR Range: 5.99% - 35.99%
Funds Availability: All 50 states
Minimum Revenue: $1,000 per month
Loan Term: 90 days - 72 months
Funding Time: One business day
Credit Score Requirements: None
Pricing: No fees

CashUSA is one of the most trusted lending networks in the US, suitable for all borrowers regardless of credit rating.

It is free and simple to use, connecting loan applicants with lenders across all 50 states and thus allowing them to get approved for personal loans up to $10,000.

But is CashUSA legit

Many CashUSA reviews out there, including ours, say so. Read on as we take a closer look at CashUSA, how it works and what criteria you need to meet to make a loan request. 

About CashUSA

CashUSA is one the most trusted resources for personal loans in the country. Launched in 1997, it provides customers with fast, simple, and convenient loan requests and transparent  personal loan services. 

CashUSA is not a direct lender. Instead, it gives you access to an extensive network of banks and lenders (including Tribal lenders) each offering different rates and terms. As such, it facilitates the entire lending process and allows borrowers to shop around and find the best deal for them. 

The amount you can borrow through CashUSA depends on the lender and the state where they operate, although the maximum is $10,000. Once approved, the funds will be transferred to your account as quickly as the following business day

Who is CashUSA for?

CashUSA might be best suited to borrowers who need extra cash fast, but would not typically get approved by a traditional lender. This includes loan applicants with a bad credit rating or no credit history. 

A Closer Look at CashUSA Personal Loans

What can you expect when you make a loan request on the platform?

Loan amount 

CashUSA offers unsecured personal loans ranging from $500 to $10,000. 

The exact amount you will be offered depends on the lender who will determine how much they are willing to lend you based on your credit score, employment status, and the state in which you reside. More often than not, you might receive a lower or higher loan offer than the one you requested. 

Type of loans

CashUSA offers installment personal loans only. This means that you borrow a certain amount of money at once and repay the loan over a fixed number of installments. CashUSA does not offer lines of credit, payday loans, or secured loans. 

Lenders in CashUSA’s network typically offer loan terms between 90 days and 72 months, so you will have a lot of flexibility when it comes to fixing a monthly repayment sum.

Keep in mind though, that your chosen lender might offer shorter or longer loan terms, so make sure you check this information before signing the contract.  


Since CashUSA is not a direct lender, it cannot provide specific information regarding the interest rate you will be charged on your loan. The same is true for any fees the lender might choose to apply to the loan.

However, the platform estimates that most lenders will offer rates between 5.99% and 35.99%. 

Here is a representative example from one of Cash USA reviews:

Amount borrowed Loan term APR Monthly repayment Total amount payable
$8,000 12 months 24.9% $750.46 $9005.48

It’s crucial you check the interest rate on your personal loan as a lower APR can help you save a substantial amount of  money over the life of the loan.

Monthly repayments 

Loan repayments are deducted automatically from your account every month (plus interest and fees), so ensure that there are funds available in the account to avoid getting hit with late and overdraft fees. 

CashUSA does not collect debts. Debt collection practices are disclosed in the loan documents provided by your lender. If you cannot make monthly repayment, contact your lender as soon as possible to set up a financing plan that will help you get back on track. 

Getting Started with CashUSA

Before you get started with your loan request, you need to check if you meet CashUSA’s eligibility criteria. 

CashUSA Terms and Requirements 

Even though CashUSA is not a lender or broker, there are still certain criteria you have to meet to make a loan request. 

To use the services of CashUSA, you need to: 

You also need to provide all the information required in the online form on the site and agree to CashUSA’s terms and conditions. 

Meeting all the requirements is no guarantee that you will be connected to a lender, though. 

How does a loan request on CashUSA work?

CashUSA has a fast, straightforward, and above all secure online application process. It does not charge any fees when you make a loan application on the platform and if approved, you could get the funds in 24 hours. 

Here is what you need to do.

1. Fill out the online form on the site 

The first step of the application process is to fill out the form on the site

You will be asked to state the amount you want to borrow (between $500 and $10,000) and the reason for applying for the loan. 

You will be able to choose from the following reasons:


After that you need to provide personal details like:

Lastly, you will need to provide banking account information, tell the service whether you own a car, your official job title and whether you are paid by direct deposit.

Although it may seem like a lot of details to provide, the entire process takes only a few minutes. Plus, it’s all done online so you won’t waste any time filling out countless forms in offices or in-person meetings. 

If you are worried about sharing sensitive information with the site, there is no need to be. Many CashUSA reviews have already reported that the site is legit and safe. On top of that, CashUSA employs industry-standard 256-bit SSL encryption, so your personal data is protected and secured. 

2. Loan approval 

After you submit your request, CashUSA might conduct a soft credit pull, which will not affect your credit score. 

However, lenders could go for a nontraditional credit check with any of the three biggest credit reporting agencies, which will impact your credit score. 

3. Getting loan offers 

Your information is then processed by CashUSA’s proprietary loan marketplace which will connect you with lenders willing to offer loans to consumers such as yourself. These lenders review your information and choose whether to offer you a personal loan or not. If they do, they will contact you via text, email, or phone. 

If only one lender is interested, CashUSA will redirect you to the lender’s site where you can see all the important information, such as interest rates, fees, and repayment policies. But, if more than one lender is willing to pay CashUSA to be connected with you, the platform will use its proprietary algorithm to determine which lender’s offer you will receive. 

Once you are offered a loan with terms that you like, you will e-sign a contract with the lender and get the funds transferred to your account in under 24 hours. 

If the terms offered do not meet your requirements, you are not obligated to accept the contract

You might not get approached by any lenders. In that case, CashUSA might pass on some of your information to their marketing partners after which you may receive offers for other financial products, such as debt relief, credit repair, or credit monitoring. 

Note: Just because CashUSA pairs you with one lender does not mean that the offer is the ideal one for you. Carefully review the terms and conditions offered and compare other loans and lenders, interest rates, fees, and repayment policies to make sure that you are getting the best deal possible.

CashUSA Customer Support

The CashUSA customer support team is always on hand to answer any and all questions you might have.

You can contact them via 

CashUSA is also pretty active on social media, so you can reach out to them on Facebook and Twitter as well. 

However, if you have any queries about your loan, it is best if you contact your lender directly. 

Cash USA Reviews

What does the internet think of Cash USA?

BBB Rating

CashUSA is not BBB accredited. 

It currently has an F rating with no customer reviews and only 8 complaints in the 24 years it’s been in business. 

Third-party reviews 

CashUSA Alternatives

If CashUSA does not meet your requirements, there are other lending facilities you can choose from.

Here is how CashUSA stacks up against the competition.

CashUSA vs. 5k Funds

Like CashUSA, 5k Funds is a website that mediates between the borrower and loan provider. It offers very similar services to CashUSA and also accepts all credit types. However, the maximum loan amount you could get with 5kFunds is $35,000 compared to CashUSA’s max loan of $10,000, making the former a much better choice for borrowers in need of a bigger loan.

CashUSA 5kFunds
Loan amount $500-$10,000 $1,000 – $35,000
APR 5.99% – 35.99% 5.99% – 35.99%
Loan term 90 days - 72 months 61-days – 72-months 

CashUSA vs. PersonalLoans.com

Like CashUSA, PersonalLoans.com connects borrowers to lenders, but in this case, the maximum loan amount you could get is $35,000. PersonalLoans.com also offers other types of loans, including payday loans and peer-to-peer lending opposed to CashUSA that only provides personal installment loans. 

CashUSA PersonalLoans.com
Loan amount $500-$10,000 $1,000 – $35,000
APR 5.99% – 35.99% 5.99% – 35.99%.
Loan term 90 days - 72 months 3 months – 72 months 

CashUSA vs LoansUnder36

LoansUnder36 is another online site that connects lenders to borrowers. It is also free, fast, and secure and provides the same APR range as CashUSA.

The biggest difference is the amount of money you could get through the site. While CashUSA’a max loan is $10,000, LoansUnder36 can connect you to lenders who can offer loans up to $35,000.

CashUSA LoansUnder36
Loan amount $500-$10,000 $500 – $35,000
APR 5.99% – 35.99% 5.99% – 35.99%.
Loan term 90 days - 72 months 61 days – 72 months


  • Suitable for borrowers with bad credit
  • Extensive lending network
  • Loans can be paid out in one business day
  • Quick & straightforward application process
  • No fees charged
  • In business for 25 years
  • Is not a direct lender
  • Not a lot of positive CashUSA reviews

Instead of contacting lenders yourself and shopping around for the best deal, CashUSA can connect you with a loan provider that is best suited to meet your loan requirements. The entire process takes only a few minutes of your time and is done online, so it’s convenient, fast, and easy. 

One of the best things about CashUSA, though, is that it can find a loan for anyone, even people whose credit score is less than perfect. So, if you are in need of extra cash fast and your chances of getting approved by a traditional lender are slim, CashUSA is definitely an option to consider.


Is CashUSA safe to use?

Yes, CashUSA employs industry-standard encryption to protect the privacy of both lenders and borrowers.

Is CashUSA.com real?

Yes, CashUSA is a platform that connects loan applicants with relevant lenders. The process is fairly quick and simple, and the money may be in your account in one business day.

Does CashUSA run your credit?

CashUSA may run a soft credit pull, which will not affect your credit score. However, as noted in several CashUSA reviews, once approved for a loan, lenders might conduct a hard credit pull, which will affect your credit score. 

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