CashNetUSA is a payday loan service that has been in business since 2004. It is a member of the Community Financial Services Association of America, which is a national organization to promote laws that balance consumer protection while maintaining public access to short-term credit. Payday loan services are available from CashNetUSA in more than 30 U.S. states.

The states that CashNetUSA will not accept applications from are: Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Vermont and West Virginia.

The loan application is online. In order to meet the loan application requirements, you must have an active checking account and have had a job for at least a month. You must also be a U.S. citizen of at least 18 years of age. Your loan arrives as a direct deposit into your bank account by the next business day even if you did not submit the application until 9pm Central Time. If you apply over the weekend, as long as you submit the application by 7pm Central Time on Sunday, the loan will arrive on Monday. The customer service team is available 24/7. Live chat is a contact option in addition to telephone.

The amount of money that you can borrow depends on the details in your application and the rules that pertain to your state. The loan repayment deadline ranges from eight to 35 days from the day you are funded. If you repay early, you are due a refund of part of your fee. If your state regulations allow, you can request an extension if you cannot repay in full by the due date. CashNetUSA offers many other loan types in addition to payday loans. You are expected to repay a payday loan within 14 days. If you opt for an installment loan, you can repay in installments over four or five months

CashNetUSA posts useful articles to help you understand relevant financial topics and to get some ideas about how to save money, increase your productivity at work and plan for retirement.

CashNetUSA Summary:
9.3/10

CashNetUSA is an established payday lender with good established procedures and clear communications. The rich content that it hosts to educate and support people in dire financial straits seems to demonstrate that this business is humane.

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CashNetUSA

Pros
You can communicate via live chat.

Cons
CashNetUSA's services are not available in every state.

The Verdict
: 9.25/10

The website educates you about prices and processes.