CashUSA? Here’s the Real Deal in 60 Seconds!
CashUSA is an online loan marketplace that connects borrowers with lenders offering personal loans up to $10,000.
The platform isn’t a direct lender but lets users complete one application and get matched with potential offers, including options for those with bad credit.
Read Full ReviewCashUSA Details Review
Details
| Details | Category |
| Min Credit Score | No minimum credit score (All credit types accepted) |
| Loan Amount | $500-$10k |
| Loan Types | Personal Loans |
| Online Experience | Yes |
| Funding Time | 1-2 business days |
| Lender Type | Online loan marketplace |
| Availability | States available not specified |
| Soft Credit Pull | Yes |
Pros & Cons
Pros
- Easy application process
- Funding as soon as 1 business day
- Accepts all credit types
Cons
- Not a direct lender
- Not transparent about terms and fees
- Sells application to highest bidding lender not best offer
Contact Info
- support@cashusa.com
- 866-973-6587
- "3315 E Russel Rd Ste A-4 Box #105, Las Vegas, NV 89120 "
- Yes
Features
- Free to use
- Serves bad credit borrowers
- Matching with lender within minutes
How To Qualify
To qualify for a loan with CashUSA, borrowers must meet basic eligibility requirements:
- Be 18 years or older
- Must be a U.S. citizen or hold permanent residency status.
- Earn at least $1k a month after taxes
- Have an active checking account in your name
- Provide a valid email address and phone number
Submitting an application through CashUSA begins the matching process, but final approval and terms are set by the lender. Meeting the basic requirements lets you apply, though loan amounts, rates, and repayment schedules depend on the lender’s review.
What makes this review trustworthy
"We do not receive compensation from the companies featured on this site, so our reviews are written independently and are not influenced by placement or ranking. ""CashUSA"" is not connected to or endorsed by MontanaCapital™. All product names, company names, and logos are the property of their respective owners. Their mention here does not imply any partnership, sponsorship, or endorsement between us and MontanaCapital™ or vice versa. We make every effort to provide accurate and up-to-date information, but details can change. Always verify the latest terms, rates, and product details directly with the provider before making any financial decisions."
How To Apply
Applying with CashUSA is simple and takes only a few minutes online. The process is designed to quickly connect borrowers with lenders in its network. Here’s how it works:
Complete Online Application
Start by filling out the application form with your personal, income, and banking details.
Get Matched With Lenders
Once you submit, CashUSA shares your information with its network. You may be redirected to a lender’s site or contacted directly with offers.
Review Loan Offers
Compare the different offers presented. The first offer is not necessarily the best offer.
Accept And Receive Funds
If you agree to a loan, you’ll sign the lender’s agreement. Depending on the lender and your bank, funds can be available as soon as the next business day.
Follow Repayment Plan
Payments are made directly to the lender, usually by automatic withdrawal. Always confirm due dates, amounts, and late-payment policies.
Details You’ll Need To Provide In Your Initial Application
- First and last name
- Date of birth
- ZIP code
- Street address
- Length of time at current address
- Do you own your home?
- Email address
- Cell phone number
- Military status
- Driver’s license number
- Full SSN
- Income source
- Employer name
- Employer contact info
- How long employed
- Monthly income
- Pay frequency
- Next pay date
- Type of bank account
- Bank name and routing number
- Bank account number
- Length of time bank account has been open
- Direct deposit or paper check?
Is CashUSA Legit and Can It Be Trusted?
Yes, CashUSA is a legitimate online loan marketplace, not a direct lender. It connects applicants with a wide range of short-term and personal loan providers.
The platform has operated for years and uses secure encryption to protect submitted data. Still, applicants should know their information will be shared with multiple lenders and possibly marketing partners.
Why CashUSA Might Not Be Your Best Option
Unclear Terms Upfront
Rates, fees, and repayment schedules are only disclosed after you’ve submitted personal and financial information.
Limited Customer Service
Borrowers report minimal direct support since CashUSA’s role ends once you’re matched. All questions must be directed to the lender, not the platform.
Data Sharing
Your information is distributed to multiple lenders and marketers, which often results in repeated calls, emails, and texts after you apply.
How To Qualify For CashUSA
To be eligible for a loan through CashUSA, you must:
- Be a U.S. citizen or permanent resident
- Be at least 18 years old
- Have an active checking account in your name (with at least 90 days of history)
- Provide verifiable employment or income information
- Earn at least $1,000 per month after taxes
- Maintain an active phone number and email address
Lenders may have additional requirements depending on the loan product, but these are the minimum qualifications to get matched.
Process & Time Frame
Applying with CashUSA is fully online and usually only takes a few minutes. Once your request is submitted, you’ll be matched with potential lenders.
Some borrowers receive offers almost instantly. If approved, funds may arrive as soon as the next business day, though some banks take an additional day to release the deposit.
How Will The Loan Process Work?
Apply Online
Fill out CashUSA’s short online form with your personal, employment, and banking details.
Get Matched
Based on your application, CashUSA will connect you with the highest bidder.
Confirm & Sign
Each lender sets its own APRs, repayment schedules, and fees. Review carefully before agreeing.
Receive Your Funds
Once you accept and finalize, funds can arrive as soon as the next business day.
Who It’s Best For
CashUSA is best for borrowers with bad or limited credit who want quick access to multiple loan options in one place. It’s also a fit for those needing emergency cash who are willing to pay higher rates for speed and convenience.
Alternatives To Consider
If you want more control and clearer terms, look for direct bad credit lenders that post rates and fees upfront, or consider secured personal loans that accept lower credit scores. Compare offers side by side and pick the lowest total cost you can afford.
4.5
Credible Reviews
$1k-$250k
6.49%-35.99%
12-120 months
Good For: Personal Loans, Student Loans, Mortage Loans
2
Lending for Bad Credit Reviews
$100-$40k
Up to 35.99%
3-180 Months
Good for: Personal Loan or Cash Advance
FAQs
Does CashUSA Run Your Credit?
CashUSA itself does not run a credit check because it’s not a lender. However, once you’re matched with a lender, they may perform a credit inquiry.
Most start with a soft credit check (which doesn’t affect your credit score). If you proceed with a loan offer, the lender may require a hard credit check, which could impact your score.
What Fees Does CashUSA Charge?
CashUSA does not charge consumers any fees for submitting a loan request. It makes money by connecting borrowers to lenders, who pay CashUSA for the referral.
How Much Can I Borrow with CashUSA?
Loan amounts through CashUSA’s network typically range from $500 to $10,000. The exact amount depends on your income, credit profile, and the lender’s policies.
Approval is not guaranteed, and borrowers with poor credit may only qualify for smaller amounts at higher interest rates.
CashUSA Reddit Review Summary
Reddit has little discussion about CashUSA. When mentioned, it’s usually grouped with another company with a similar name. There are no detailed threads sharing borrower experiences.
According to research as of Sept 19, 2025
CashUSA BBB Reviews And Complaints
| Category | Details |
| BBB Accredited | No |
| BBB Ratings | F |
| BBB Customer Reviews | 1 out of 5 stars (based on 6 reviews) |
Most BBB complaints cite aggressive marketing and unclear loan terms. Since CashUSA only serves as a referral service, issues typically relate to information being shared to their network of lenders.
Customer reviews verified: Sept 23, 2025
CashUSA Bottom Line: Finding The Right Personal Loan
CashUSA makes it simple to apply once and get matched with multiple lenders, which is especially useful for people with bad credit. But borrowers should be cautious about unclear terms, limited support, and high interest rates from some partners.
If you’re in urgent need of cash, it may be worth considering. However, if you have good or average credit, you’ll likely find cheaper, more transparent loans outside of CashUSA’s network.
CashUSA Summary Of Brand Disclaimer
CashUSA.com is not a direct lender, broker, or creditor. Instead, it connects applicants with a network of lenders and lending partners, each with their own approval criteria, loan terms, and conditions.
Submitting a loan request on the site does not guarantee approval or specific loan offers. CashUSA is a for-profit, advertiser-supported platform, and lenders or partner networks may compensate the site when an offer is presented. You may receive a loan offer, that is from the highest bidder and not from the lender offering the best loan terms.
Loan availability, amounts, rates, and funding times vary by state and by lender. Credit checks may occur, and borrowers should carefully review all loan documents before accepting any offer.
