only use when necessary
I took out a loan through here for about $600 because I was super short on rent. I got the funds within the next day which was super awesome and avoided paying rent late.
That being said I only took out a loan from here because I knew I was getting financial aid from school within the next month and could pay it off in full. I strongly advise that if you need to use this service ONLY take out what you need and ONLY take it out if you know you can pay it back in full within the next few months. The interest rate is super high. It can be a helpful tool as long as you use it properly and have the means to pay it back almost immediately.
Would give a higher rating if the interest rate wasn’t awful.
That being said I only took out a loan from here because I knew I was getting financial aid from school within the next month and could pay it off in full. I strongly advise that if you need to use this service ONLY take out what you need and ONLY take it out if you know you can pay it back in full within the next few months. The interest rate is super high. It can be a helpful tool as long as you use it properly and have the means to pay it back almost immediately.
Would give a higher rating if the interest rate wasn’t awful.
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Being threatened with legal actions over missed payments
You know what’s terrifying? Getting a call from cashnetusa saying they were going to take legal actions over a missed payment if I didn’t do something about it. I asked to put the payments on hold because I’m moving and need to find work first before I can pay off this stupid loan. Cashnet, is it really necessary to threaten someone like this. I don’t even think it’s legal.
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Lack customer service email
I really like CashNetUSA until I recently tried to update my bank account and email. Now I’m locked out of my accounts and can’t get in. I’ve chatted with an agent and called on the phone, sent my email and documents and driver license over twice ans it’s been weeks and days and no reply. Really crappy customer service in your email, now I don’t know who even has my bank information and driver license because I’ve never had a reply or confirmation my account was updated. My husband and I have both uninstalled your app. How sad I will not use anymore because I can’t guarantee my information is secure. There is no portal for document upload.
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Good people
When you need it they are there. I gladly pay their fees rather than jump through the hoops with an unknown. Plus they don’t let you get behind in payments nor loan you more than you can repay in a few months. I’m staying with them even though I’m managing ok now, just like they stayed with me when no one else would!
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DON’T DO IT
This is coming from a former customer. You don’t want to get involved with these predators. I just recently paid them off but they did enough damage that I have no clue when or if I’m ever going to get my life back on track. Put it this way, they come before every other bill. Who cares how important it is or major it is? Not them. I’ve been late on rent numerous times, close to being evicted at this moment. Barely eaten over the past week. And it all tracks back to CashnetUSA. I know how tempting it is when you have nowhere to turn. It’s very mesmerizing but I beg of you to think about the future. If you borrow anything from these crooks, make sure it’s a small amount and you have the means to pay them back SUPER fast. And if that’s the case, you’re much better off getting a payday loan. Trust when I say these people are demons. The Niagara Falls wouldn’t take this plunge. If you decide to go this route, best of luck.
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