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CashUSA Personal Loans Review

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Based in Las Vegas, CashUSA is a free online service that connects consumers to personal loan lenders nationwide. It is not a direct lender, agent, representative or broker of any lender. CashUSA helps consumers get access to personal loans by connecting them with its network of personal loan lenders.
 
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How is CashUSA rated?

Breakdown

0.0/5
Flexibility
0.0/5
Interest Rates
0.0/5
Discounts & Fees
0.0/5
Customer Service and Reputation

Overall Rating: 3.1 / 5 (Very good)

CashUSA provides a quick and simple online interface that connects customers with an affiliate network of lenders. Borrowers are given easy access to personal loans of up to $10,0000 and loan terms of up to 72 months. By working with different lenders, CashUSA also gives borrowers the option of qualifying for a loan even with less than ideal credit.

Consumers should be aware, however, that it is unclear as to which lenders CashUSA is affiliated, and you must provide your social security number to get a quote.

CashUSA Loan Specifics

Loan Specifics - 4 / 5

CashUSA offers a lower loan amount than most of the other services we evaluate. The company offers a low end of $500 up to $10,000 over a maximum term of 6 years. What's more, the company does not seem interested in the intended purpose of the loan.

Loan Uses

Debt/Credit Card Consolidation
Buy Home
Major Purchase
Home Improvement
Medical Expenses
Wedding
Moving/Relocation
Vacation
Start Business
Education
Taxes
Loan Minimum
$500
Loan Maximum
$10,000
Term Length
Max 6 years
Direct Deposit
Yes
Pay Creditors Directly
No
Disbursement Time
Little as 1 business day
Credit Insurance
No
Unemployment Protection
No

Representative Loan Sample

If you borrow $5000 over a term of 3 years with a representative APR of 18.9%, it will cost you $179.35 per month, with a total amount payable of $6456.68.

CashUSA Qualification

Qualifications & Flexibility - 4 / 5

CashUSA has less restrictive standards than most other personal loan providers. Although the company will look at a person's credit report and FICO score, they also equally weigh job history and the presence of regular paychecks to determine creditworthiness. Prospective borrowers must be 18 years or older, US citizens, earn $1,000 monthly after taxes, have a checking account, and be able to provide work and home phone numbers.
Minimum FICO Score
No minimum
Personal Income Considered
Yes
Debt to Income Ratio
Not specified
Verify Bank Account
Yes
U.S. Citizen
Yes
Hard Credit Pull
Yes

Alternative Factors to Credit Score Considered

Job history and regular paychecks

CashUSA Cost of Loan

Costs, Interest Rates, Discounts & Fees - 3.5 / 5

CashUSA offers the standard APR range of 5.99% to 35.99% for personal loan marketplaces. All other fees and penalties will entirely depend on the lender you ultimately choose.
APR Range
5.99% to 35.99%
Origination Fee
Depends on lender
Missed Payment Penalty
Depends on lender

Other Fees

Application Fee
Pre Payment Penalty
Administration Fee
Returned Check Fee
Check Processing Fee

CashUSA Reputation

Customer Service and Reputation - 3.5 / 5

CashUSA has no presence on BBB or Trustpilot, and not much specific information can be discerned about the company. We were also not able to verify their office address.
Type of Institution
Marketplace
Year Founded
Not specified
Headquarters Address
3315 E Russel Rd Ste A-4, Las Vegas, NV, 89120
Homepage URL
https://www.cashusa.com

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Customer Comments & Reviews

Loading Reviews ...
Isis L
1/10/2019
Answered all questions and concerns I had about Cash USA, including whether submitting my application would generate a hard inquiry. I love the format used to deliver the information. Great job Consumers Advocate!!!

Robin Y
6/16/2018
My loan has been Request Processing for 30 minutes and still going.

T
Tonie M
6/13/2018
I tried about four times to go on to Step 3; however, was unable to do so! Several high-lighted in red fields! The letters to prove I am not a robot did not appear on screen! CherokeeMaiden46 6/13/2018 4:44 p.m.

Top Rated
Our Partner
  • Get personalized pre-qualified rates from multiple lenders.
  • 2 Minute Process
  • Loans from $600 - $200,000 
  • Rates from  7.49% - 35.99% APR
  • Loan terms of 1 - 7 years.
  • Rated A+ by the BBB
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