CASHUSA 2019
IN-DEPTH REVIEW

Read expert review of CashUSA. Find the Top 10 Personal Loans services for your needs with detailed reviews and comparison

9.0

Overview

CashUSA offers quick and flexible personal loans, connecting applicants to lenders. Prospective applicants can easily submit a short online form for free to find out to receive a loan offer. Eligibility and the loan amount depends on factors such as the person’s job history, monthly income, and state of residence. CashUSA personal loans range between $500 to $10,000 with most lender’s APR ranging between 5.99% to 35.99%. Loans can transfer quickly and be electronically deposited as soon as one business day.

 

Requirements

CashUSA does not provide loans based on credit score alone. Instead, the loan service depends on other factors such as job history and regular paychecks to determine eligibility for a personal loan. CashUSA Loans provides loans between $500 to $10,000. Loan amounts depend on the lender and the state.  

In order to submit a loan request, an applicant must be at least 18 years old, be a U.S. citizen or permanent resident, earn a monthly income of at least $1,000 after taxes, have a checking account in their name, and be able to provide work and home phone numbers along with a valid email. Eligibility depends on factors such as the person’s job history and income rather than on credit history.

 

Loan Process

The loan request process begins right on the CashUSA website. Prospective applicants simply fill out a short form detailing the requested loan amount, zip code, name, email address, and other information. Next, the site will attempt to connect the consumer with a lender. CashUSA does not charge a fee for submitting the loan request. CashUSA uses encryption and security measures to protect all information shared with their site. Once the applicant decides to accept the loan terms, the money can be transferred electronically as soon as one business day.

 

Loan Terms

Repayment terms vary depending on the person and location. Before accepting the loan, the lender will present the applicant with the exact fees and interest rates. Repayment periods range between 90 days to 60 months. Most lender’s APR on a personal loan ranges between 5.99% to 35.99%. Customers can choose an easy repayment system that automatically withdraws repayment from the person’s bank account. 
 

 

Customer Support

Customers can conveniently submit their loan request right from the CashUSA website. To get in touch with staff directly, customers can do so via email, online contact form, phone, and post. Although the company doesn’t offer 24/7 service, the support team will respond within 1 business day. CashUSA hosts social media pages on Facebook, Twitter, and Google+. The CashUSA Education Center contains comprehensive information on finance, debt, credit, and banking. 

PROS
  • Large lender network
  • Easy loan request process
CONS
  • Not a direct lender
  • No live chat support
BOTTOM LINE
CashUSA offers quick, convenient personal loans between $500 to $10,000 with an approval decision based on factors such as job history and monthly income.
THE TOP 5!
1
2

LendingTree

Visit Site »
4

BetterMoneyLoan

Visit Site »
5

Joe Schwartz

Personal Loans Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.