The most refreshing thing about CashNetUSA is the fact that this payday loan service discloses almost everything you need to know before you even start to fill out an application. Fees, rates and states of service are all made clear up front. Not many other payday loan services provide this information during the beginning steps.

The encryption methods the company employs adequately protect the transfer of your personal information. This may seem like a no-brainer, but when it comes to your personal financial information, nothing could be more important.

The application form is easy to fill out and the website is well organized. CashNetUSA provides lots of information on its site, from informative articles to a complete disclosure of its fees. The company posts a list of the states in which they are licensed to do business, along with the phone number to each state's Department of Financial Institutions so that you can check on complaints and licensing.

The only aspect we did not like about CashNetUSA is that its fee is $25 per $100 borrowed, which is among the highest fees we found, although many payday loan services charge fees this high. However, this fee is based on the state in which we reside and may vary from state to state.

We did appreciate the fact that CashNetUSA discloses its fees and APR information in an easy-to-read format.

CashNetUSA, unlike many services, provides many ways for loan applicants to contact them. They offer live chat, email and telephone support. They also post a FAQ page. It is the customer's satisfaction that they care about most. They do not hold information back. In fact, they try to give you all the information you'll need before you even sign up for a username.