A woman happily reading a Cash USA review.

Cash USA Review [2024] CashUSA Reviews

Some of the links in this post are from our sponsors, and we might earn a commission if you click on one.

Life comes at you fast. 

One day, you’re on the beach, sipping on a margarita with a healthy bank account. The next day, you get home to find out you’ve been laid off, your AC unit gave up, and your wife’s car needs a new transmission. 

Sometimes, taking out a personal loan is your only option. You’re not alone. According to TransUnion, 22.5 million Americans have an unsecured personal loan. 

That said, all loans aren’t equal. Interest rates, terms, and lender reputation can have a huge effect on your experience.

In this Cash USA review, I’ll lay out how CashUSA works, look at the pros and cons, break down whether it’s a viable loan option, and answer other questions related to this online loan broker. 

What is Cash USA?

CashUSA is an online personal loan platform that connects borrowers with its network of lenders – meaning CashUSA isn’t a lender themselves. 

Think of them as a “matchmaking service.” But instead of setting you up for a hot date, they match with a lender who’s looked at your situation and is willing to loan you some money.   

With the approval based on creditworthiness, a borrower can apply for a loan anywhere from $500 to $10,000. Payment terms can vary anywhere from 90 days to 72 months. 

CashUSA’s platform is designed for borrowers who have poor credit (or even no credit) and are unable to get loans through the usual means. Along with that, the company only offers smaller loans for no more than $10,000 with interest rates anywhere from 5.99% to 35.99% and terms ranging between 90 days to 72 months. 

They also offer customers and potential customers an education center on their website. This resource includes information on how to manage your personal finances, including your debt and credit, and banking information in general. 

The simple request form on CashUSA’s website for borrowers to apply for personal loans fast. 
CashUSA makes it easy for borrowers to connect with potential lenders. 
Source: CashUSA

How Does Cash USA Work?

To get a personal loan through CashUSA, you’ll first need to fill out an online application that only takes a few minutes, according to their website. 

You can request a loan from $500 to $10,000, though how much you’re actually approved for will depend on your credit. 

After that, your loan request will go through CashUSA’s network of third-party lenders. If they choose to offer you the loan, you’ll need to sign an e-sign a loan agreement. After approval, CashUSA says you could receive funds as quickly as within one business day (depending on the lender). 

You’ll also need to follow some basic qualifying criteria, including:

  • Monthly net income of $1,000 with at least 90 days of employment.
  • At least 18 years old. 
  • U.S. citizen or permanent resident. 
  • Primary account holder of a valid checking account. 
  • Work and home phone numbers. 
  • Valid email address. 

If you meet those requirements, you’ll be able to apply for a loan through CashUSA

Is Cash USA Legit? 

Yes, CashUSA is legit. 

CashUSA is a lending platform with tons of monthly users that works with a network of reputable lenders throughout the United States. Not only is CashUSA highly transparent about how its process works, but it also provides helpful educational resources to help borrowers boost their financial health. 

Is Cash USA Safe?

CashUSA isn’t a scam. It’s an online lending platform that works with lenders across the country to provide loans to borrowers with bad credit or no credit. 

As an online-only transaction company, CashUSA says they understand the absolute necessity of maintaining secure transactions over the Internet. According to the privacy policy on their official website, they use industry-standard encryption to protect your sensitive information.

Keep in mind that because of the nature of this service, CashUSA will share your personal information with a large number of lenders. If that makes you uncomfortable, you may want to reconsider using this company. 

Pros and Cons of Cash USA

Any loan company will come with its share of positives and negatives. As part of this Cash USA review, let’s take a look at this company’s pros and cons. 


  • Designed for borrowers with bad or no credit. CashUSA’s network of lenders work specifically with people who might not qualify for loans through other traditional outlets. 
  • Loan applications are processed quickly. If you’re approved for a loan, CashUSA says your loan amount could be deposited in less than one business day. 
  • Free to use and available online 24/7.
  • Loan platform is secure and uses industry-standard encryption. 


  • Loan APRs vary based on lender, but rates can go as high as 35.99%.
  • The company openly says it will sell your personal information, so you could end up on a lot of unwanted email lists. 
  • CashUSA isn’t a direct lender, so you’ll have no control over which companies and lenders process your personal information. 
  • Loan amounts are relatively small, maxing out at $10,000.

Cash USA Reviews

Depending on where you look, reviews on CashUSA are mixed. 

BadCredit.org gives the company a 4.7 out of 5 rating and ranks the company as an “Editor’s Top Pick.” They praise CashUSA’s quick turnaround process, as well as your ability to use the loan for any purpose. 

A CashUSA review showing how borrowers can borrow up to $10,000. 
CashUSA gives borrowers the opportunity to apply for loans ranging from $500 up to $10,000. 
Source: BadCredit.org

On the flip side, Trust Pilot’s Cash USA review gives the company a 2.5 rating, which equates to “Poor” on their scale. In 5 user reviews, all the complaints focus on how the company shares personal information.

A negative CashUSA review from someone who wasn’t happy about their information being shared. 
A reviewer complains about CashUSA’s data collection.
Source: TrustPilot
A one-star CashUSA review from someone who complained about receiving a lot of spam phone calls. 
Another one of Trust Pilot’s user reviews that complain about CashUSA. 
Source: TrustPilot

Most of the negative information about CashUSA comes through reviews focusing on the unwanted spam emails and calls that users receive after having their loan application processed. 

Most complaints don’t focus on the loan process itself. So, if you’re not very patient with spam emails and calls, CashUSA might not be for you.

Cash USA Reviews Reddit

Reddit doesn’t offer much commentary on CashUSA. One company with a similar name, CashNetUSA, appears on Reddit frequently and isn’t to be confused with CashUSA. 

As for the small amount of posts, they focus mostly on companies that are fraudulently representing CashUSA

A negative CashUSA review from someone on Reddit. 
A Reddit user says they were scammed by someone impersonating CashUSA.
Source: Reddit 

And another one. 

A negative CashUSA review from someone who received spam calls from a company claiming they were the personal loan platform. 
Another Reddit user talks about a scam related to a CashUSA impersonation.
Source: Reddit 

Cash USA Reviews BBB

The Better Business Bureau (BBB) gives CashUSA a B+ rating. However, the company isn’t accredited through the BBB. 

The company only has one customer review through the BBB with a 1 out of 5 rating. 

A one-star CashUSA review from someone who thinks the company is a scam. 
A negative Cash USA review on the BBB website.
Source: BBB

In one of the 9 complaints filed against CashUSA in the last 3 years, one user says CashUSA contacted them about a loan amount they weren’t responsible for. In its response, CashUSA says its company name was fraudulently used as part of frequent online loan collection scams. 

A CashUSA review from someone who was upset about receiving spam phone calls. 
A user complaint on the BBB website after receiving spam phone calls.
Source: BBB

Is Cash USA Worth It?

The service provided by CashUSA is free, so from that perspective, it’s an easy way to apply for a smaller loan for users with bad credit. 

The answer to this question becomes a little more unclear when it comes to the hassle of what users experience after having used the CashUSA service. 

As I’ve outlined prior in this Cash USA review, many users complain about the unwanted spam emails and calls they receive from other companies when their loan application process is over. 

CashUSA is upfront about how it sells personal information to other businesses and marketing partners. If the value of getting a loan from CashUSA’s partners outweighs the hassle of the resulting spam, then you will likely be fine using their service. 

However, if you aren’t a big fan of unwanted calls and emails, you might reconsider using CashUSA

Commonly Asked Questions About Cash USA 

What are Alternatives to Cash USA?

Alternatives to CashUSA include:

  • Upgrade. Upgrade is an online bank that offers checking, savings, and credit card accounts. Read this full Upgrade Bank review
  • SoFi. SoFi offers loans up to $100,000 for users with good credit. 
  • Credible. This online loan comparison marketplace allows students to shop around for potential student loans or refinancing options. 

Is Cash USA a Scam?

No. The process CashUSA uses to match users with lenders isn’t a scam. However, many users have been displeased with how CashUSA uses their personal information and the spam communications that follow. 

What is The Catch With Cash USA?

There’s no catch with CashUSA. When you apply, the company will send your information to its network of lenders. If approved, you can receive a loan ranging from $500 to $10,000. 

What Credit Score Do You Need for Cash USA? 

CashUSA doesn’t require a minimum credit score – even borrowers with no credit can be approved. However, keep in mind, your creditworthiness might affect the amount a lender is willing to loan. 

If you need help fixing your credit, check out our comparison of Credit Saint vs Lexington Law, or see if working with the best tradeline companies could be the right credit repair solution for you. 

Meanwhile, learn how to budget for non recurring expenses so you can be prepared for unexpected costs going forward. 

Does CashUSA Do a Hard Pull?

No. CashUSA says its lenders and lending partners may conduct a soft credit inquiry when you submit an application, which doesn’t have any impact on your credit score. 

Is CashUSA in 1 Hour Legit? [H2 Heading]

CashUSA doesn’t claim to offer loans within one hour. The company does say they have extremely fast loan approval times, in some cases within 24 hours. 

Cash USA Loan Requirements?

If you meet the following requirements, you can apply for a loan through CashUSA:

  • Monthly net income of $1,000 with at least 90 days of employment.
  • At least 18 years old. 
  • U.S. citizen or permanent resident. 
  • Primary account holder of a valid checking account. 
  • Work and home phone numbers. 
  • Valid email address.