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CashUSA.com Reviews | Should You Get a Loan?


  • Quick loan deposits
  • No fee for application
  • Good for people with bad credit


  • CashUSA is not a direct lender
  • The maximum loan you can get is $10,000

Average Rating: 4

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Reading online CashUSA loan reviews by customers can help you understand if the service is worth your time and investment. But they can only tell you so much.

In our CashUSA review, we’ll explore everything you need to know to decide if this personal loan service is right for you. It’s easy to apply for small short-term loans through the CashUSA platform, and you can choose among many lenders.

Let’s dive into the details of CashUSA’s offer.

What We Cover in This Review:

1. Requirements
2. Loan terms
3. How to apply for a loan
4. Who it’s best for
5. Alternatives
6. Customer reviews
7. Pros and cons


The CashUSA.com eligibility criteria are pretty simple. Here are all the things you must comply with:

  • At least 18 years of age
  • Be a US citizen or permanent resident
  • Have a steady monthly income of at least $1,000 (after tax)
  • Have a checking account under your name
  • Have a valid email address and phone number

CashUSA reviews online attest that these requirements are all you need to secure a small personal loan.

Loan Terms

There are no fees of any kind to submit a CashUSA loans request. APRs (annual percentage rates) can vary based on the lender you choose, but most of them offer rates from 5.99% to 35.99%. The repayment period ranges from 90 days to 72 months. These terms can vary depending on your qualification, income, credit, and other factors.

When you receive approval for a loan, the lender sends you an agreement with the exact interest rate and fees. Remember, CashUSA is not offering the loan and does not decide the terms offered to you. You don’t have to accept anything if you don’t think the agreement works for your situation.

As shared by many CashUSA loans reviews online, the company offers only small personal loans between $500 and $10,000. The money is wired to your bank account electronically after you agree to the loan terms. Even if you have bad credit, you’ll most likely be able to get a loan.

How to Apply for a Personal Loan with CashUSA.com

CashUSA has a simple, easy, and secure application process that takes place entirely online. There are no fees to apply for a loan. The application starts with your birth year, zip code, and the last four digits of your SSN. After that, you have to fill out the online form that asks for some basic personal info, such as your date of birth, full name, and whether you are an active military member.

Then you need to outline the amount you want and your credit details. You can apply for a loan if your credit score is anywhere between excellent (<720) and poor (>500). You will have to select the purpose of the loan request from the options below:

  • Debt consolidation
  • Home improvement
  • Medical
  • Business
  • Vacation
  • Emergency
  • Auto repair
  • Major purchase
  • Auto purchase
  • Moving
  • Mortgage or rent
  • Taxes
  • Wedding
  • Education-related/student
  • Other

Our research for this easy personal loans review shows that the reason you select doesn’t make it any more challenging for you to get an actual loan. CashUSA only asks for this to make sure they can match your application to the best lender possible based on your needs.

You will then have to put in your contact information, which includes:

  • Email address
  • Phone number
  • Address
  • Zipcode
  • City
  • State
  • How long have you lived at your current residence
  • Most convenient time to get in contact with you
  • Do you own the home you live in

Then you have to put in your employment information, which includes:

  • Income source
  • Employer’s name
  • Employer phone number
  • Time employed
  • Monthly income
  • Salary frequency

After that, you’ll have to add details about your identity and bank info so that it can be verified before the loan agreement is finalized. This includes:

  • State ID or driver’s license
  • Issuing state
  • Social security number
  • Type of bank account

The next step is to give your deposit information so that the lenders can send you the funds once you accept a loan. This includes your routing number, account number, and how long you’ve been using your bank.

Additional questions you may be asked for the loan approval can include:

  • What is your job title?
  • When is your next payday?
  • Do you get paid through direct deposit?
  • Do you own a car?

The last step is to enter your phone number to receive SMS alerts and to get your password. When you are connected to the lender, you receive your loan offers through your email and phone. After reviewing it carefully, you can accept the terms and may be asked to provide some additional information. Upon signing, the money is transferred to your account as early as the next business day, as vouched by more than one CashUSA.com loan review.

Many people online ask, “Is CashUSA safe?” The company has taken measures to ensure your personal information isn’t breached. It has safeguards in place and commits to a high level of privacy and security. You can review their privacy policy, which outlines why the data is collected, who it’s shared with, and what the company uses it for.

Who Is CashUSA.com Best For?

CashUSA is suitable for people who want convenient and fast loans. Your request for a small personal loan can be approved in minutes, and after you confirm the loan term agreement, you can receive the money in one business day. The best part is that it’s possible to get quick cash at low interest through the service even if you have bad credit. The whole application is discreet and confidential, so you don’t have to worry about telling your family or friends that you’re strapped for cash.

CashUSA.com Alternatives

CashUSA.com vs PersonalLoans.com

Cash USA loans reviews online share that the service is very similar to PersonalLoans.com. PersonalLoans.com also connects potential borrowers with lenders, but they offer a loan amount of up to $35,000. They also have payday loans, installment loans, tax refund advances, and peer-to-peer lending.

CashUSA.com vs BadCreditLoans.com

BadCreditLoan.com offers loans online for people with bad credit. They have the same APR range as CashUSA.com—5.99% to 35.99%. But BadCreditLoan.com only offers up to $5,000 for as long as 36 months. CashUSA, on the other hand, has lenders that can extend up to $10,000 with a repayment period of up to 72 months.

CashUSA Customer Reviews

There are many ways to get in touch with CashUSA customer service representatives. You can fill out an online contact form or email the company at [email protected]. You can also reach CashUSA by phone at 866-973-6587.

Money Lender gives it a rating of 7.5 out of 10, with a 9/10 for loan qualifications but a 5/10 for reputation. The company has no presence on BBB or TrustPilot. We recommend doing proper research into any loan agreement before signing anything.

It’s worth noting that when you search for CashUSA reviews, a Customer Affairs page comes up that features poor customer ratings for another service called Instant Cash USA, which is a scam and is said to be out of business.

Pros & Cons


  • Good for people with bad credit
  • Lenders available in all 50 states
  • Quick loan deposits
  • No fee for application


  • CashUSA is not a direct lender
  • The maximum amount of loan you can get is $10,000


  1. Is CashUSA legit?

After browsing through a lot of reviews, we concluded that the platform is reliable. Keep in mind that it’s sometimes confused with other similarly named services online.

2. What types of loans does the lender offer?

They offer small personal loans that even people with bad credit can obtain.

3. How does CashUSA affect your credit?

CashUSA.com performs a credit inquiry that doesn’t show up on borrowers’ credit files. The lenders may decide to do non-traditional credit checks to see if you’re eligible for a loan. The actions of the lender can affect your credit score. If you can’t pay on time, the lender can report you to credit agencies, negatively affecting your credit.

4. Is CashUSA a good choice for startups?

Startups often need quick cash to get things going in the initial stages. If you want a convenient way to receive a loan for your small business, CashUSA may work for you.

5. What if I miss a payment?

Lenders may report you to credit agencies, which can impact your credit score.