[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/cashusa-review\/#Article","mainEntityOfPage":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/cashusa-review\/","headline":"CashUSA Review 2025: A Solid Matchmaker for You and a Lender","name":"CashUSA Review 2025: A Solid Matchmaker for You and a Lender","description":"CashUSA Best For: People who need help finding lenders willing to give them the...","datePublished":"2020-05-13","dateModified":"2025-01-22","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/#Person","name":"Shannon Serpette","url":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/","identifier":63,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/cashusa-review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/cashusa-review.jpg","height":460,"width":1900},"url":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/cashusa-review\/","about":["Personal Loans"],"wordCount":2510,"keywords":["schema"],"articleBody":"\t    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCashUSA\t\t\t\tBest For: People who need help finding lenders willing to give them the best loan deals based on their circumstances.Pros: You\u2019ll be able to reach multiple lenders with just one online form, which saves you time and effort. It can also help you find the best rate by putting you in contact with lenders you might not have otherwise heard about. They don\u2019t exclude people with poor credit, so you may be able to find a fast loan, even with a less-than-ideal credit score.Cons: You may pay a lot for that loan because of its high APRs for those with poor credit. Since they are a lending platform and not the lender, they can\u2019t say for sure what kind of terms you\u2019ll be offered \u2014 you\u2019ll have to wait and see.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPR (Details)\t\t\t\t\t\t\t\t\t\t6\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFees (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransparency (Details)\t\t\t\t\t\t\t\t\t\t7\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFlexibility (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFunding Speed (Details)\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAccessibility (Details)\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPR5.99 to 35.99%MINIMUM CREDITAny credit welcomeTERMS90 Days - 72 MonthsORIGINATION FEEDepends upon each individual lender\t\t\t\tOur Review Methodology        We may receive a commission if you sign up or purchase through links on this page.  Here's more information.    It\u2019s a bad feeling when you need money fast and you\u2019re not sure where to get it. If you\u2019re new to the lending process, you can use a lending platform like CashUSA to help you find suitable loans.You\u2019ll fill in one form and quickly be sent offers that you can either choose to proceed with or decide against.It can be a huge time-saver for you, so you can focus on other areas of your life that need your attention.This CashUSA review will help you decide if this site might be the answer to your problems or not worth the effort.Table of ContentsToggleCashUSA OverviewCashUSA DetailsHow to Apply at CashUSACashUSA Consumer ReviewsCashUSA Pros and ConsCashUSA Frequently Asked QuestionsAlternatives to CashUSACashUSA OverviewWhat is CashUSA?One thing you should understand upfront is that CashUSA isn\u2019t a lender. After you fill out the form on their website, they aren\u2019t going to send you money.What they will do is pass your form to the lenders they are affiliated with. Those lenders will look over your application and decide if you might be a good fit for them. If they like what they see, the lenders will then send you more information, such as rates and terms, so you can decide if you want to pursue a loan with them.CashUSA HighlightsCashUSA, which has been in business for 22 years, offers its clients a fast way to find a loan.You\u2019re able to get as much as $10,000 deposited quickly in your checking account.The minimum amount you can borrow is $500.And if you\u2019ve been rejected elsewhere for loans, you might be relieved to know CashUSA doesn\u2019t require much for their eligibility requirements.CashUSA DetailsWondering about the specifics of going through CashUSA? We\u2019ll take a look at all the details.APRAs far as APRs go, CashUSA can\u2019t make any guarantees about what its lender will offer you. On its website, all it says is that many of their lenders will give you a rate anywhere between 5.99 – 35.99%.But it’s entirely possible that you could fill out CashUSA\u2019s online form and end up getting APRs that exceed the top end of that range.Since they don\u2019t do the lending themselves, CashUSA doesn\u2019t promise what your top APR could be. All they can do is state what guidelines most of their lenders follow.That makes it tricky to know what you\u2019re getting into.But if you manage to qualify for the lowest APR one of these lenders offers, you should be pleased with that — 5.99% is a decent rate.FeesSince CashUSA is a lending platform and won\u2019t send you any money themselves, you won\u2019t know about any fees you may have to pay until you receive more information from potential lenders.TransparencyAlthough CashUSA gives you guidelines about what most lenders will do, they don\u2019t offer any specifics about worst-case scenarios. While most of their affiliate lenders will offer a loan at no more than 35.99%, they don\u2019t rule out higher amounts than that.And since CashUSA also states that it works with tribal lenders, who usually have higher APRs than state-licensed lenders, your APR may be much higher.They also don\u2019t have a list of the fees you may likely pay. With today\u2019s changing rates and volatile market, it might be hard to keep their website updated since they have multiple lending affiliates though.FlexibilityCashUSA makes it easy to contact them. They offer their phone number, email, mailing address, and online form in a simple-to-find spot on their website.But when it comes to helping you if you are experiencing hard times, there isn\u2019t much they can do for you.Since they\u2019re not the ones lending you money, they don\u2019t have any power over how willing your lender will be to work with you if you need a forbearance or are struggling to pay.Funding SpeedHow quickly that much-needed money appears in your account will depend on which lender you go with. But, at least with some of the loans arranged through CashUSA, you can see that money as soon as the business day after you\u2019re approved by a lender.AccessibilityCashUSA welcomes everyone to fill out its online form to try to find a loan — even those who have poor credit. They only require some pretty basic criteria, including:Being 18 years or older.Owning a checking account — you can\u2019t use someone else\u2019s; it must be in your name.Living as a permanent resident or citizen of the U.S.Making a minimum of $1,000 per month after your taxes are withheld.Having a working phone number.Having a working email address.Those are some of the easiest requirements you\u2019ll find on a lending platform, especially since there’s no minimum credit required.\t\t\tCashUSA won\u2019t issue you a loan because they aren\u2019t a lender. But as a lending platform, they can line you up with a lender without you having to fill out a lot of applications at various institutions.3.5\/5 Rating\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t.st3-35299.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\t\tVisitWe earn a commission on this offer.\t\t\tHow to Apply at CashUSAIt\u2019s easy to get the ball rolling on CashUSA — the application process is a breeze.Step 1: Fill Out the Online FormYou\u2019ll have to have the last four digits of your Social Security number, as well as some other information you\u2019ll know by heart, like your ZIP code and year of birth.Completing the form will be easy and quick.Step 2: Check Out Any Offers You ReceiveKeep your eyes on your email immediately after you complete the application form. It won\u2019t take long to receive some sort of response.If a lender does try to connect with you, make sure to read through the offer they send.Make sure you understand all of the terms, including the APR, fees, length of the loan, and anything else in their offer.Step 3: Be Prepared to Send More InformationYou might need to provide proof of your employment income or show that you have a bank account in your name. Try to avoid dragging your feet on submitting what they request of you.If you stall, you\u2019ll be slowing down how quickly you get your loan deposited in your bank account.Step 4: Monitor Your Bank Account to See When Your Money ArrivesIt might be as fast as the next business day. If you complete this process on a Friday, you likely won\u2019t get your money until Monday. So don\u2019t panic if you don\u2019t see it in your account on Saturday.CashUSA Consumer ReviewsWant to know how other people have fared with CashUSA before you give them a try? Let\u2019s check out some of the ratings other customers have left for them.Better Business BureauWhen you look at CashUSA on BBB\u2019s website, you see they score an F. That\u2019s not because of what customers have said about them.It\u2019s because they haven\u2019t responded to six complaints that were filed against them through the BBB.That shouldn\u2019t necessarily stop you from going through CashUSA to find a lender though.Taking a minute to examine those complaints, they were filed over a three-year span. Two of the complaints were regarding advertising or sales, two others were for billing or collections, and the final two were because of an issue with their product or service.One of the complaints in the billing or collection department, for instance, had this to say:\u201cThis company has fraudulently obtained my name and social security number and claims I have an outstanding loan with them. I have never heard of this company before and wish to have this taken care of.\u201dA complaint of that nature may not be CashUSA\u2019s fault — it could be something else entirely, even a case of identity theft. While customer reviews can be helpful, they can also sometimes be misleading as well.Use your common sense when reading customer reviews to decide how much weight they should carry in your decision as to whether you\u2019ll do business with a company.User ReviewsAs far as actual reviews and not complaints, no one left any reviews of CashUSA on the BBB website.On Trustpilot, another popular consumer review website, there has only been one review left about CashUSA. This review wasn\u2019t from a customer — it was from someone who wanted to stop getting emails from CashUSA.The reviewer, Michael, had this to say: \u201cI have reported several unsolicited emails to the website only to have them reply \u2018they can find my email address in their database.\u2019\u201d\t\t.st2-35296.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\tVisitWe earn a commission on this offer.\t\t\tAPR5.99 - 35.99%Maximum Loan$10,000Minimum CreditOpen to any credit score\t\tCashUSA Pros and ConsIf you haven\u2019t made a decision about CashUSA, it might be beneficial to look at a pros and cons list.CashUSA ProsEasy to meet the application requirements: Since they aren\u2019t picky about your credit score and only require a small amount of income, CashUSA is accessible to most would-be borrowers. That doesn\u2019t mean you\u2019ll be approved for sure, but at least you have a shot.It only results in a soft pull on your credit: Filling out CashUSA\u2019s online form won\u2019t hurt your credit. If you decide to proceed with a lender you\u2019re matched up with, you should check to see if that will result in a hard pull, though.Fast money: You might be able to see the loan in your account the next business day.Time saver: You\u2019ll be reviewed by multiple lenders by only filling out one form.Might qualify for a good rate: If you have outstanding credit and good monthly income, you might be able to get a 5.99% loan.CashUSA ConsNot a lot of loan details: You won\u2019t know what kind of fees — origination, prepayment, and late fees — you\u2019ll face until you hear back from a lender. If the terms aren\u2019t to your liking, you\u2019ll be wasting your time fielding offers you have no intention of taking.Short repayment term: Although it will vary based upon the lender you hear back from, most of the loan terms offered by their affiliates are 90 days to 72 months, according to CashUSA. It might be hard to repay the loan that quickly.May end up with a hefty APR: If you\u2019re using CashUSA it might be because your options are limited. If that\u2019s the case, you might wind up with a 35.99% APR or even higher.CashUSA Frequently Asked Questions.accordion-list .accordion-title:hover{color: #4db848;}Can you guarantee what rate I\u2019ll receive?No, CashUSA can\u2019t. CashUSA isn\u2019t a lender, so they aren\u2019t in control of what kind of offer you\u2019ll get from their affiliate lenders. They can\u2019t even guarantee that you\u2019ll end up with an APR that\u2019s within their published usual range of APRs (5.99-35.99%) given by their lenders. It could be higher than that, particularly if you go through a tribal lender.\u00a0Do I have a say in how much of my personal information you share?Not at the time you submit your loan request with CashUSA. After you\u2019ve turned in that loan request, you can request that the website limit some of what is shared regarding your personal information. To do that, you\u2019ll have to call 866-973-6587.Will filling out the CashUSA form to get matched up with a lender result in a hard pull on my credit?No. CashUSA might do a soft pull which won\u2019t hurt your credit score at all. If you move ahead with a loan through one of CashUSA\u2019s affiliates, that lender may do a hard pull of your credit, and that can hurt your score temporarily.\u00a0What if I have a problem paying my loan?You should contact your lender directly to see if anything can be worked out. Always contact them before you miss a payment. If you know you\u2019re going to have trouble making your payment, let them know upfront. Your lender will be more likely to work with you if they know you\u2019re truly trying.\u00a0I\u2019ve been rejected everywhere else for a loan -- what are my chances of being accepted with CashUSA?That\u2019s hard to say, but if you meet all their criteria and you absolutely need money, it\u2019s worth a shot. It only takes a few minutes to apply and you\u2019ll find out quickly if a lender is willing to work with you. It is still a better option than being forced to take out a payday loan with a crushingly high APR.\u00a0\u00a0Alternatives to CashUSA.btn.btn-blue.dift:hover, .btn.btn-default.dift:hover {color: #4db848;border-color: #4db848;background: #fff !important;}\t\t\t CashUSABadCreditLoans.comUpstartPersonalLoans.com \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPros and Cons\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBestFor\t\t\t\t\t\t\tPeople who need help finding lenders willing to work with them\t\t\t\t\t\t\t\t\t\t\t\t\tSpeedy loans for people with bad credit\t\t\t\t\t\t\t\t\t\t\t\t\tPeople with a college degree\t\t\t\t\t\t\t\t\t\t\t\t\tPeople needing fairly competitive loan rates even with poor credit\t\t\t\t\t\tLoanAmounts\t\t\t\t\t\t\t$500 to $10,000\t\t\t\t\t\t\t\t\t\t\t\t\t$500 to $10,000\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000 to $50,000\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000 to $35,000\t\t\t\t\t\tAPR\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t6.46 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\tMinimumCredit\t\t\t\t\t\t\tAny credit score will be entertained\t\t\t\t\t\t\t\t\t\t\t\t\tMay work with any credit score\t\t\t\t\t\t\t\t\t\t\t\t\t620\t\t\t\t\t\t\t\t\t\t\t\t\t580\t\t\t\t\t\tTerms\t\t\t\t\t\t\t90 days - 72 months\t\t\t\t\t\t\t\t\t\t\t\t\t3 - 36 months\t\t\t\t\t\t\t\t\t\t\t\t\t3 or 5 years\t\t\t\t\t\t\t\t\t\t\t\t\t90 days - 72 months\t\t\t\t\t\tOrigination Fee\t\t\t\t\t\t\tDetermined by your lender\t\t\t\t\t\t\t\t\t\t\t\t\tDecided by each particular lender\t\t\t\t\t\t\t\t\t\t\t\t\tAnywhere from none to 8 percent\t\t\t\t\t\t\t\t\t\t\t\t\tDepends upon the lender\t\t\t\t\t\tFundingSpeed\t\t\t\t\t\t\tMay be the next business day\t\t\t\t\t\t\t\t\t\t\t\t\t Might get money on the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tAs soon as one business day later\t\t\t\t\t\tCreditCheck\t\t\t\t\t\t\t Soft by CashUSA, may be a hard pull by the lender\t\t\t\t\t\t\t\t\t\t\t\t\tSoft through them, but it might be a hard pull from their affiliate lenders\t\t\t\t\t\t\t\t\t\t\t\t\tSoft\t\t\t\t\t\t\t\t\t\t\t\t\tCould be a hard or soft pull\t\t\t\t\t\t\t\t\t \t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Fast Money","item":"https:\/\/moneydoneright.com\/fast-money\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Personal Loans","item":"https:\/\/moneydoneright.com\/fast-money\/\/personal-loans\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"CashUSA Review 2025: A Solid Matchmaker for You and a Lender","item":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/cashusa-review\/#breadcrumbitem"}]}]