CashUSA Review

article by Emery S. author June 26, 2017
our score
CashUSA is a lending portal that finds lenders who give cash advances as installment loans to be paid out in accordance with the specified loan terms. They focus on getting you the personal loan you need without the hassle of traditional banks or the embarrassment of borrowing from someone you know.
  • No submission fees
  • Works with varying types and levels of credit
  • Simple requirements
  • Immediate connection to range of lenders
  • Easy online application form
  • Poor response rate to negative feedback
  • New, relatively unproven loan marketplace
  • Semi-low loan maximum
CashUSA is a great option for those with bad credit scores, because it refers you to lenders that can determine your loan eligibility based on more than just your credit score.
Emery S., author
speed Pre-approval within minutes
Ease of Use Funds disbursement within one business day
Reliability In-depth education center
Additional PC Protection Uses industry-standard encryption and security measures
APRs as low as 5.99% for some personal loans
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APR as low as 5.99%
  • Fast, Convenient Loan Requests
  • Unsecured LoansCash in Hand Fast
  • All Credit Types Accepted
  • No Embarrassment
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Quick Data

  • Unspecified number of official lending partners.
  • Loans range from $500-$10,000
  • APRs range from 5.99-35.99%

Applicant Requirements

Application requirements are pretty straightforward with CashUSA, as they are a loan marketplace, rather than a direct lender. Bear in mind that the individual lender may have stricter requirements than those asked for by CashUSA. To apply for a personal loan with CashUSA, you need to:

  • Be at least 18 years of age
  • Be a US citizen
  • Earn a minimum of $1,000 each month (after taxes) and have the ability to prove this
  • Own a checking account that is registered under your name
  • Have a valid email address, phone number, and work number

Lenders are subject to the state laws under which they are licensed and operate, so some residents may not be eligible for service with some lenders.

One of the most promising benefits of using CashUSA for personal loans is that they guarantee that your credit score will not affect the terms of your loan. This means that even if you have poor or no credit to speak of, you can still apply and be approved for an unsecured personal loan with reasonable rates and repayment terms. This is generally not the case with most lenders who typically tailor your loan terms according to your credit score (the better the score, the better the terms, and vice versa), making CashUSA a great option for those with bad credit scores.

Application Process

Applying for a personal loan with CashUSA is quite streamlined. All you need is several minutes and a computer. Here are the steps you’ll need to follow in order to apply with this lending marketplace:

  1. Fill out the online application form on CashUSA’s website. This involves answering basic questions like your name, current income and loan amount desired. Your application can be processed within minutes.
  2. When your application is processed, CashUSA will send out the request to their network of lenders. Those that fit your demands (and for which you meet the requirements) will send you a loan proposal. Review the terms of each offer carefully, and decide which one is the best option for you.

Agree to the terms, and the lender will transfer the amount of the loan into your bank account (often as quickly as within one business day).

Loan Terms Overview

CashUSA doesn’t set any repayment terms including length of loan, repayment dates, and fees incurred. These are dealt with solely by the individual lender you are working with. Be sure to read through the fees, terms, and charges that will affect your loan before accepting an offer. In general, CashUSA personal loan repayment periods can range anywhere from 90 days to 60 months, depending on the lender and the amount of the loan.

Payments are typically linked to the same bank account that the loan money was transferred to originally. Note, if you ever find yourself without sufficient funding to meet your monthly repayment amount, contact your lender before the repayment date arrives to work out an arrangement. Often, lenders will allow you an extension on your payment for a month. Missing a payment altogether (without making prior arrangements), on the other hand, can seriously damage your credit.

Special Features 

Several lending marketplaces have various educational resources available on their websites. Few services, however, have a dedicated resource center just for this purpose. Packed with informative articles that are loaded with details about loans, debt, and personal financing, CashUSA gives first-time borrowers the ability to understand what is going on in every step of the loan process in language that they can relate to.

Multiple Devices Platforms Available

CashUSA does not have a mobile app currently available.

Antivirus Setup Limitations

CashUSA is a relatively new lending portal. This can be a drawback for some borrowers who are nervous to work with and hand over their personal information to an organization that hasn’t already proven themselves with years of quality service. Another factor to consider against CashUSA is that there are several unaddressed customer complaints against it posted in various consumer forums online.


Customer support can be reached at or via telephone at 855-632-1193. Their online support form will be answered within 24 hours of submission.

Bottom Line Bottom Line

CashUSA is a new service to the industry, so some may hesitate to give them a chance. However, the terms seem fair, and they work with a number of lenders making it easier to be approved for a loan. Additionally, the low credit score requirements are a real benefit for anyone who has been having difficulty procuring a loan from traditional lenders or banks.