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We have helped thousands of customers find the loan that they needed.

 
 
 

We do not charge any fee or cost to submit a loan request on CashUSA.com. The APR on a personal loan from our network of lenders varies, with many lenders offering rates of 5.99% to 35.99% and loan durations between 90 days to 72 months, although the terms of your specific loan may differ depending on your qualification. Please note that every lender cannot offer these rates.

APR Example: If you borrow $1500 over a term of 2 years with an APR of 7.9%, you will have 24 monthly payments of $67.77, for a total amount payable of $1626.54

If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. CashUSA.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you. If we can’t find a loan offer for you, we may pass some limited information about you to marketing partners so you can receive offers for credit repair, debt relief or similar services.

What Are Personal Loans?

A personal loan is simply an installment loan, which is repaid over an extended period of time with a set number of scheduled payments. Loan amounts range between $500 to $10,000 depending on the lender and state. Below are a few of the reasons why this is the case:

  • Fast, convenient loan requests: A loan request can be approved in a matter of minutes.
  • Cash in hand fast: An approved loan can be electronically deposited into your account in as early as 1 business day.
  • No embarrassment: It can be difficult to admit to family members and friends that your finances are stretched; cash loans allow you to avoid this embarrassment, as they can be acquired safely, securely and discreetly online.

Our goal is simple: to help get you a personal loan offer that can meet your need. To help us achieve this goal, we have made the process of receiving loan offers fast and easy from start to finish. The first step is to fill out a brief loan request form here on our website, which can take just a few minutes. As long as you meet the basic borrower eligibility requirements, you can submit your request for a personal loan.

Eligibility Requirements

The requirements that a prospective borrower must meet to be able to request a personal loan are simple and few in number. They include the following:

  • Be at least 18 years old
  • Be a U.S. citizen or permanent resident
  • Be employed for at least 90 days and meet your Lender’s income minimum specific requirements
  • Have a checking account in your name
  • Be able to provide work and home phone numbers, as well as a valid email address

Please note that meeting these requirements does not mean that you will be connected with a lender.

After you submit your loan request, we show your information to the lenders and lending partners in our network so they can choose whether to offer you a loan.

Convenient Loan Disbursement and Repayment

If a lender makes you a loan offer, you will have an opportunity to review the offer before deciding to accept it. In most cases, your funds can be deposited directly into your bank account via electronic fund transfer in as little as 1 business day.

Loan repayment is just as easy, your lender, once the due date rolls around, can simply withdraw money electronically from the same account into which they originally deposited your funds. In case your loan period ends and money is not in your account to repay the loan, make sure to contact the lender ahead of time so you can inquire about an extension. Many lenders will offer extensions so individuals don’t risk damaging their credit because of non-repayment.

Safety and Security

CashUSA.com prides itself on providing consumers with a fast, simple, safe and reliable loan process. We use industry standard encryption technology to protect your information.

There are a lot of lenders who offer personal loans; CashUSA.com may be able to help you connect with a lender.

Note: Loan size, APR, and re-payment term will vary by state and lender.

 
 

APR - Explanation

APR stands for Annual Percentage Rate which represents the annualized interest rate that you are charged. CashUSA.com is not a lender and is not responsible for funding personal loans but refers consumers to lenders who specialize in personal loans. CashUSA.com does not charge any fees for this service. CashUSA.com is not able to supply you with the exact APR that you will be charged by your lender. APRs can vary based on the information that you supply in your loan request as well as the information that your lender supplies. Your lender will provide you with details on the APR, loan finance charges and other terms after they offer you a loan and before you decide whether to accept their offer. For help with any CashUSA.com-related services consumers may Contact Us.

Depending on the lender, state, and customers credit worthiness, the APR for a personal loan will vary, with some lenders offering rates between 5.99% and 35.99%.

Personal loan ranges in the CashUSA.com lender network typically range from $500 to $10,000

See informational APR Example

Nonpayment Ramifications and Other Things to Consider

Lenders in the CashUSA.com network are required by law to give borrowers detailed information on loan terms and conditions prior to the borrower’s acceptance of the loan offer. It is recommended that you closely review the terms of any loan offer presented to you. For more details about the aforementioned considerations see our Lending Policy and Rates & Fees sections.

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Example 1: If you borrow $5000 over a term of 3 years with an APR of 18.9%, it will cost you $179.35 per month, with a total amount payable of $6456.68.

Example 2: If you borrow $8000 over a term of 1 year with an APR of 24.9%, you will be responsible for 12 monthly payments of $750.46, and a total amount payable of $9005.48

Example 3: If you borrow $1500 over a term of 2 years with an APR of 7.9%, you will have 24 monthly payments of $67.59, for a total amount payable of $1622.08

Financial implications (Interest and finance charges)

If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. CashUSA.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you.

Implications of non-payment

When you accept the terms and conditions for a particular loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time specified in the documents that your lender supplies. Additional charges or fees may apply in the event that you are not able to repay your loan in full or make a late payment. CashUSA.com cannot predict the amount of the charges or fees that you will incur as a result of partial payment, late payment or nonpayment. CashUSA.com has no control over knowledge of the loan details between you and your lender. Please refer to the partial payment, late payment and nonpayment policies detailed in the loan documents that your lender provides you with.

Potential impact to credit score

CashUSA.com's lenders or lending partners in our network may conduct a soft credit inquiry when you submit a form on our site. Some members of the CashUSA.com lender network may choose to conduct a nontraditional credit check in order to determine your eligibility for a loan. Lenders will more than likely conduct a credit inquiry with any of the three major credit reporting agencies (Transunion, Experian and Equifax). Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit reporting agencies, which could have a negative impact on your credit score. CashUSA.com encourages consumers with credit problems to consult a Credit Counseling company.

Collection Practices

CashUSA.com is not a lender and does not engage in debt collection practices. Your lender will disclose their collection practices to you in their loan documents. If you are not sure of the collection practices used by a specific lender we recommend that you discuss this issue with the lender directly. All lenders and debt collectors are required under federal law to engage in fair debt collection practices.

LOAN RENEWAL POLICIES

Loan renewal policies are largely governed by state regulatory laws. Loan renewal options will be presented to you by your lender prior to your acceptance of their loan offer. Please be sure to carefully read the renewal policy presented to you before you sign the loan documents.