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CashUSA Review For Bad Credit

Written by Mike Pearson
Updated September 27, 2022

In A Nutshell

If you have bad credit or don’t have time to shop around for a loan, CashUSA might help you get in touch with a lender that can deliver the funds you need. Lenders in the CashUSA network don’t require a credit check, so it might be easier to qualify, but keep in mind that you’ll probably end up paying a higher interest rate. 

CashUSA Snapshot

CashUSA is a loan marketplace, which means it doesn’t actually finance or service loans. Instead, it acts as something of a middleman by connecting borrowers with several potential lenders.

To get a loan, users can submit a single application through the CashUSA website. From there, lenders in the network review the loan request and decide if they’re willing to work with the user based on the information provided. 

According to CashUSA, the lenders in its network don’t run credit checks on borrowers. While this can make loans more accessible to people with bad credit, you should generally expect to pay more in interest and fees if you work with a CashUSA lender. 

The minimum loan available through the network is $500, and users can borrow up to $10,000. Interest rates start at 5.99% and go all the way up to 35.99% based on a borrower’s creditworthiness.

What Is CashUSA?

CashUSA is a loan connecting service or marketplace that pairs borrowers with third-party lenders. Because it’s not a direct lender, CashUSA doesn’t finance or service loans on its own.

In addition to banks and other traditional lenders, CashUSA also offers tribal loans financed by Native American creditors. Because these loans are serviced by financial institutions located on tribal lands, they generally aren’t required to comply with state laws that regulate interest rates and other terms.

As a result, borrowers who might struggle to qualify for a traditional loan might get approved for a tribal loan. However, these loans can come with very high-interest rates and other excessive fees, so it’s important to exhaust all your options before submitting a request.  

By using CashUSA, borrowers can avoid going from lender to lender and filling out several different applications. This can be a big time-saver when you’re in a hurry and need a personal loan as quickly as possible. 

The lenders in the CashUSA marketplace also offer loans without running a credit check. This can make it easier for a borrower to qualify for a loan, but the tradeoff is usually a higher interest rate. 

The CashUSA service is free to use, and borrowers can get a personal loan ranging from $500 to $10,000. While loan terms and conditions vary by lender, the repayment period for a CashUSA loan generally runs between 90 days and 72 months.  

How Does CashUSA Work?

Submitting a request for a loan through CashUSA follows much the same process as applying for a loan through a direct lender. 

First, you must fill out a loan request form, which you can find on the CashUSA website. To access the request form, you must first provide a few bits of information about yourself, including your zip code, birth year, and the last four digits of your Social Security number. 

Once you click “get started” you’ll be taken to the full online loan request form, which will ask for additional information, including your email address, military status, and how much you want to borrow.

The second part of the form asks for more detailed information, such as the name of your employer, your income, your driver’s license number, and banking info. 

Once you submit the form with all your information, CashUSA will distribute it among its network of lenders, who can decide if they want to make you a loan offer based on their internal lending requirements. 

If a lender offers you a loan, you will go to that lender’s contract page. This lets you review the loan amount, terms, and rates. 

If you decide to pursue a loan offer, you might need to provide additional information based on the lender’s specific requirements. If approved, CashUSA states that most borrowers will receive their funds within one day of approval. 

Pros vs. Cons: Is CashUSA Right for You?

CashUSA has its pros and cons. Before you submit a loan request, it’s important to understand all the terms and conditions. 


Here are some of the positives of submitting a request for a loan through CashUSA.

  • No minimum credit score required – On its website, CashUSA says its lenders “do not require credit scores and do not ask applicants to provide credit score details. Your credit score will not affect the fees and terms of your loan in any way.”If you’ve been turned down by other lenders due to a poor credit score, it’s worth submitting a request for a loan through CashUSA. 
  • Free service – There is no fee to submit a request for a loan through the CashUSA system. This can result in significant savings, as you won’t have to pay numerous application fees across several different lenders. 
  • Convenient – Using a loan marketplace like CashUSA is convenient. Rather than shopping around for a loan, the lenders come to you. 


Unfortunately, CashUSA isn’t without drawbacks. Here are some negative points to consider before you submit a loan request. 

  • High-interest rates – In general, you can expect to pay a higher interest rate when you work with a lender in the CashUSA network, and some rates can be as high as 35.99%. However, your rate will depend on your creditworthiness as well as each lender’s specific criteria.
  • No direct loans – CashUSA is a loan marketplace that connects you with potential lenders. This means you can’t get a loan directly through CashUSA.  
  • Minimum income requirement – To see if you qualify for a loan through a CashUSA lender, you must earn at least $1,000 per month. 

How Much Does CashUSA Cost?

It’s free to submit a request for a loan through the CashUSA website. This means you can get access to an entire network of lenders without paying anything. 

When it comes to the actual loan, the fees and rates you’ll pay are determined by the third-party lender. Your repayment terms, including the interest rate and monthly payment, will depend on your creditworthiness and the lender’s requirements.  

Who Is Eligible for a CashUSA Loan?

Each lender in the CashUSA has its own requirements for qualifying for a loan. However, CashUSA also has some basic requirements for all borrowers. 

o submit a request for a loan through the CashUSA marketplace, you must meet the following criteria:

  • 18+
  • Have your own checking account
  • Be a U.S. citizen or a permanent resident
  • Have an email address and phone number
  • Have a minimum $1,000 monthly income

How to Submit a Request for a CashUSA Loan

Submitting a loan request through the CashUSA system is a straightforward process. Before you submit a request, it helps to have all your personal financial info, such as your bank account number, handy. 

When you’re ready, you can submit a request in four easy steps:

1. Online Form – Visit the CashUSA website and fill out the basic information form on the main page. Then click “get started” to go to the loan request form. 

2. Fill out your information – Fill out the loan request form and submit it online. 

3. Review loan offer – Once CashUSA connects you with a lender, review the offer carefully.

4. Sign your loan documents –  If you decide to pursue a loan offer, provide any additional information as requested by the lender. Once the lender approves your loan request, go to the lender’s e-signature page to sign your loan documents electronically.  

10 Ways to Use a CashUSA Loan

One of the advantages of getting a personal loan is there are generally no restrictions on how you can use the money. Here are 10 common reasons why people need personal loans

  • Consolidate debt
  • Pay for a wedding 
  • Finance a big purchase
  • Down payment on a new house
  • Medical bills
  • Home improvement projects
  • Moving expenses
  • Pay for vacation 
  • College tuition
  • Launch a new business 

While the loan request form asks your reason for submitting a request for a loan, CashUSA says this won’t have any impact on whether lenders decide to approve you. 

How to Pay Back Your Loan and Handle Missed Payments

If you decide to accept a loan offer from a lender in the CashUSA network, it’s important to make sure you can handle the monthly payments. Missing a payment or submitting a payment late can hurt your credit score, which can make it more difficult to get access to credit in the future. 

To help you avoid missing payment due dates, the lender offers automatic payments. When you sign up for autopay, your monthly loan payment will be withdrawn from your account automatically, so you never have to worry about missing a due date.

If an emergency comes up and you think you might miss a payment, it’s important to contact the lender as soon as possible. Each lender has its own policies, and your lender might be willing to give you a grace period or a temporary hardship forbearance.   

CashUSA Alternatives

CashUSA is just one option among many when it comes to getting a short-term personal loan. If you need a loan for bad credit, here are three alternatives to consider.  

1. Earnin 

Earnin is an app and a payday loan alternative that effectively lets you borrow from yourself by tapping into your paycheck ahead of time. There are no fees to use the app, and you can borrow up to $100. 

With no credit checks, it’s easy to get approved for a short-term loan with Earnin. On the downside, you’re required to connect the app to your bank account.

2. is a loan marketplace that gives borrowers access to a variety of lenders offering loans between $500 and $35,000. Interest rates vary from 5.99% to 35.99% and repayment terms can last between 90 days and 72 months.

3. Bad Credit Loans

In business since 1998, Bad Credit Loans is a well-established loan marketplace that connects borrowers with lenders that specialize in loans for people with bad credit. Interest rates start at 5.99% and can go as high as 35.99%.   

Depending on their eligibility, borrowers can get a loan for anywhere between $500 and $10,000. Repayment terms vary between three and 72 months. 

CashUSA Reviews from Around the Web

Unfortunately, it’s tough to find individual user reviews for CashUSA on the web. However, CashUSA generally gets high marks from finance and money management websites.

CashUSA is not accredited by the Better Business Bureau (BBB), and you won’t find any customer reviews for the company on the BBB site. However, the company does have a BBB profile.

On the other hand, the profile doesn’t offer much insight, as it lacks reviews. While the company has an F rating with the BBB, this is due to its failure to respond to the six complaints listed on the BBB website.   

Get in Touch with Customer Service

You can contact CashUSA by mail, phone, email or online contact form

The CashUSA mailing address is:

CashUSA.com3315 E. Russel Rd. Ste. A-4 Box #105Las Vegas, NV 89120

To contact CashUSA by phone, call 866-973-6587. You can contact CashUSA support by email at the following address:


The following are some of the most frequently asked questions and answers for CashUSA. 

Is CashUSA a Legitimate Company?

CashUSA is a legitimate company headquartered in Nevada. It has been in business since 1997. 

Is CashUSA Safe?

CashUSA is a loan marketplace that works with a reputable network of lenders. The service is free to use, and CashUSA will never charge you a fee for connecting with lenders.  

Does CashUSA Check Credit?

According to the CashUSA website, neither CashUSA nor the lenders in its network check credit scores. The company states: “ lenders do not require credit scores and do not ask applicants to provide credit score details. Your credit score will not affect the fees and terms of your loan in any way.”

If you choose to move forward with a loan, however, it’s a good idea to ask the lender directly if it performs a soft or hard inquiry of your credit report. 

Is CashUSA a Payday Loan?

CashUSA is not a payday loan. It’s an online loan marketplace that connects borrowers with a variety of potential lenders. 

How Much Can I Borrow with CashUSA?

Borrowers can get a loan ranging between $500 and $10,000 through CashUSA. 

How Fast Does CashUSA Deposit Funds?

Borrowers can receive their funds through direct deposit in as little as one business day. 

Does CashUSA Call Your Employer?

No, CashUSA doesn’t contact your employer. Because loan requirements vary by lender, it’s best to check with your loan provider directly regarding employment verification.  

What Happens If I Miss a Payment?

If you think you might miss a payment, it’s best to contact your lender directly. In some cases, lenders might offer an extended payment deadline or a hardship forbearance. 


Because it can pair you with several potential lenders, CashUSA can be a good option for finding a loan — especially if you have bad credit. Interest rates tend to be high, however, so it’s a good idea to shop around and explore alternatives before committing to a loan.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.