# CashNetUSA — user reviews > 51 indexed App Store user reviews of CashNetUSA by Enova International, Inc., rated 4.77/5 from 34,634 ratings. - Source: https://appshunter.io/ios/app/cashnetusa/id645682433/reviews - App overview in markdown: https://appshunter.io/ios/app/cashnetusa/id645682433.md - Rating breakdown: 5★ 30,699 · 4★ 2,121 · 3★ 657 · 2★ 222 · 1★ 931 ## What do users think of CashNetUSA? Overall sentiment: neutral **Pros** - 💳 Easy to use app - 🕰️ Quick loan approval and funding - 🤝 Helpful customer service - 🆙 Increased loan limits for loyal customers **Cons** - 💰 High interest rates and fees - 🔁 Difficulty paying off loans due to compounding interest - 🔒 Concerns about privacy and personal information - ⚠️ Aggressive debt collection tactics **Commonly reported bugs** - Issues with incorrect account information and payments - Delays in updating account details and loan status **Most requested features** - Lower interest rates for repeat customers - More flexible repayment options - Ability to pause or postpone payments ## Newest reviews (12 of 51) ### 3/5 — High interest *2021-10-28, version 5.7.1* Was very happy I got approved for a decent loan amount was in a bind at the time, however seemed like everytime I made a payment the balance would go down but then go back up, seems you get charged around 6$ in interest everyday, which the increased the amount owed to them , seemed to never go down. Felt like I would never pay the loan off. Paid everything off when I got the money all at one time, then all of a sudden they didn’t do loans in my state anymore 🤷🏽‍♀️ ### 5/5 — Totally Dependable *2020-12-03, version 5.7.0* I have been with CNU for years. They have always come through for me. Even if, I have been late with my payment. The customer service team has always been so understanding and worked with me to keep my account straight. I would recommend them to everyone and to all my family and friends. Keep up the good work. CallyBlue, a forever loyal customer ### 5/5 — PERFECT APP AND COMPANY!! *2020-11-19, version 5.7.0* Lord knows I run through money like toilet paper!! this company is the best cash advance company i have used EVER! From the app to the customer service agent Mya, no problems! I have cursed out a lot of customer service agents in my 27 years of living. This company gives you no problems at all. They pick up the phone quickly, emails dont take forever, and cash be on hand. I give them ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ across the board‼️‼️‼️‼️‼️‼️‼️ ### 5/5 — Is it worth it?! *2020-09-16, version 5.5.1* This isn’t a bad review or a good one. I needed the finances and Cashnet was there! I agreed to using them, so I’m responsible for paying them back. The interest is high but doable. If you’re not able to pay them back, it will be costly to you and frustrating when they expect you to pay them for their services. Overall it’s a good experience. I needed them twice and they come through. The faster you pay them back the better for you. ### 5/5 — 5 Stars for Two Years *2020-06-26, version 5.4.0* CashNetUSA is a great option if you just need to borrow some funds but can get it al back on your next payday. Yes, the pay back rate is super high but it is a payday loan company. What do you expect? They have to make money somehow. I’ve had them for two years now and I only borrow what I know I can give back by my next payday. Otherwise, it seems they’re just giving you free money. ### 5/5 — So easy *2020-05-07, version 5.0.7* Needed cash quick and with this app cashnetusa makes it supper easy however think twice before clicking these people are long sharks and unless you have a lot of money in a off shore bank account somewhere it will be very hard to get them paid off! ### 5/5 — CashNetUSA Contact *2020-03-28, version 5.0.5* I just want to give your Customer Service Representative, Tamika. She was so very nice, & very informative. Those are two things that are very rare these days. If all of your Representatives are like her I can assure I will most certainly continue to do Business with CashNetUSA. Please let her know how much I appreciate her, & how much she has influenced my willingness to use CashNetUSA, in the future, should I need your Services. I wouldn’t even shop around, I would just pull you up & go to your Request Form. Thank you for your ease, & quick response when Loans are replied for. And, mainly Thank You for having a Customer Service Rep like Tamika. ### 5/5 — Well Organized yet Interest Rate is so hard many times. *2020-03-20, version 5.0.5* I have had great service, appreciate the very quick response to loan requests, it could be easier on us with low incomes to be able to make 1/2 the payments, and time to repay longer. Just a suggestion. Cash Net has helped me lots of times, yet this is the first line of credit or revolving payment loan I have tried, with CashNet. I really believe if you have paid your loans time after time, you should receive a very low Interest Rate on say every 5 loans at the current Interest, you could get 1 loan at 100.% interest rate with a $500 maximum amount you could borrow. Wish someone in the Payday Loan Business would try this for say 1 year as we go through the National Pandemic, as an offering CashNet could provide the low Interest loan, as a way to help us out here. Thank you for allowing me to express an opinion From Susan C. Winnie, a grateful Customer. ### 5/5 — OUTFREAKINGSTANDING!!! *2020-03-06, version 5.0.5* This company and their app have been so convenient and easy to use, wished I knew about it years ago! Sometimes life gives you a curveball, auto repairs, meds, etc.....this app and having the available to funds in emergencies has been monumental in easing my stress and anxiety 🙌 if you use it properly, pay your payments on time or in advance, they recognize this and up your limit without even asking. ### 3/5 — No more CashnetUSA *2020-02-22, version 5.0.4* They’re a good company for calling customer service, but that’s it! They are part of a predator shark that feeds off the backs of people who are struggling financially! They charge insane interests for small amount of money because it’s 1.7% each day, that’s 620% each year, and then charge insane amounts of money per month for a very small principal, 210 each month in payments! As always stay as far away from these people that you can, as work hard to manage and budget your money so that you don’t need them! ### 4/5 — Liked the old way better *2019-11-09, version 5.0.0* The pay day loan way wa a better this was interest is added everyday I’m almost 3 weeks in and if I only pay 100 each payday I’m still at the price I borrowed don’t like it at all of course I pay more if I can ... in the beginning I was but the lady in the phone didn’t put in my right account number so I was paying 300$ well thought I was and though everything was all good ended up spending the money that I thought I paid on my account until I received a email that my payment was past due 🤦🏼‍♀️ yea that sucked but likes the payday loans a lot better I was only paying 45$ extra this way I’m paying way more ### 5/5 — Review CNU *2019-10-21, version 2.4.15* I have been a happy camper with CNU for 30 months and I have not even the first hint of a problem of any kind. My app works great on my IOS, advances are in the bank toot sweet and that man with the cap IS my hero, I would love to have drinks with him. Haha. Also I have passports outside of USA and same five star service. I pay my bill on time and try to always pay more than minimum. But you know what? I want to because the service is stellar, friendly, rewarding and positive. I think the company is full of lightworkers😘🎃🎃🎃🎃🎶☮️ ## Most critical reviews (10 lowest-rated) ### 1/5 — DON’T DO IT *2022-08-04, version 7.0.0* 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. ### 1/5 — Shows how paid reviews work - Beware of this company *2021-12-22, version 6.0.0* Clearly this company pays for 5 star for reviews. With the interest they charge and the fees, they can afford it. Just needed an extra amount around the holiday. Visited the site from the respected MoneyLion service and CashNetUSA was chosen as the “preferred” choice and was approved for $1300. So I spend a couple of hours connecting my bank account, providing details, and uploading a few documents. And then come to find out I’m not approved. This company while pretending to be legit is nothing more than a scam and is phishing for your private info, spending habits, etc. Be aware they won’t delete your account because they will bring up a so-called law that requires them to keep your information so they can further exploit your private info, potentially sell it to other fraudulent companies, etc. ### 1/5 — Unhappy *2021-10-27, version 5.7.1* You guys posted a payment to a very old account that is non existent, I have reached out 6 different times, possibly more, and still have no resolution. They have my old act that is closed and somehow deposited 700 in an account that’s closed and foe the withdrawal they have my current bank info to withdraw the funds that I never received in the first place. It all seems a little bit sketchy to me that they will deposit money into an old account and won’t do anything to rectify it and will be more than willing and happy to pull money out of a different account. Smells fishy ### 1/5 — Horrible Privacy policy *2021-08-12, version 5.7.1* Read and ReRead their privacy policies, because they will not let go off your personal information once they have it. They’ll never ever let go of it, at all!!!! The customer support Lannania was better than the one I chatted before, but still lied to me so many times about my personal information as well as about things like how she doesn’t have employee number. She gave me the phone number when asked about the employee number, that’s how bad they are and they need pick up your call nor care to call you. Stay away!!! ### 1/5 — Useless communication *2021-02-04, version 5.7.1* I have used CashNetUSA a few times when money was needed. Fees are acceptable for borrowing amount. Payed off a loan about a week early, a few days later I decided to reapply. I signed my application with a set payment date (payday) a few weeks away and signed. Came back as a default extension. So now I am forced to pay it back 3 weeks earlier than expected. Contacted them directly to get help. Only response I received was “Sorry for the inconvenience, but your payment is due on the date provided”. So basically I have to pay them $75 to hold onto their money for a week and give it back. Well done 🤗 ### 1/5 — Disappointed 😞 *2020-02-10, version 5.0.2* Before downloading, I read some reviews and description carefully. Seemed like a reliable and friendly app. It says they don’t serve those in Texas but nothing about those in NJ. I tried signing up and after I put in all my PERSONAL information including social, it denies me because of my state. Why does my state matter ?? And why did they need my social right off the bat without even seeing if I’m eligible first. I know there’s probably more hoops i’d have to jump through before getting a loan but still... at least narrow down the state options before you have people getting their hopes up or sharing extremely personal information including address, how long I’ve been living at my residence, and social security number.... I hate even having to resort to this but life happens but now I’m worried about what’s going to happen to my information!! 😣 ### 1/5 — Horrible *2018-03-17, version 2.4.13* I hate i even have to use this option, but i recently requested money as a last resort. Even after submitting a copy of a check their representative entered the numbers to my account wrong. Because this happened they made me wait till the funds were sent back to them before they could reissue to me. They left me out of town with no funds and treated me like it was my fault. At the same time my payment was due and because they had the wrong account number they could not draft my account then it showed up like i was past due and we all know what comes with the word past due fees!!!!!!! I don’t think it’s fair for them to ask me to pay any fees for their mistakes. I ask for some type of document in writing that i was not charged a fee and let’s just say......I’m still waiting on it which makes me feel i was still charged a fee even though verbally i was told i would not be. This is one bill that if i can ever get it paid off i will never and let me repeat never use this service again. ### 2/5 — Lack customer service email *2022-12-06, version 7.0.3* 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. ### 2/5 — Don’t get a loan from them *2019-03-24, version 2.4.15* I got a loan for $1,200 and so I did payment plans so that I can pay them off but if you do payment plans they rob you so now I calculated it all and I got to pay them $2,171 back I’m thinking about to take them to court cause I feel like I’m being scammed i have no credit so that’s the reason I went to them and I needed it for some bills so that’s why but do not trust them because after you get the money and have to pay it back and do payment plans and wonder why your bill is not goen down it’s because they add interest on it every day and they say it takes a year to pay off just some scammers ### 3/5 — only use when necessary *2023-12-19* 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. ## Most praised reviews (10 highest-rated) ### 5/5 — Being threatened with legal actions over missed payments *2023-01-21, version 7.0.3* 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. ### 5/5 — Good people *2022-11-06, version 7.0.1* 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! ### 5/5 — Beware - I’m employed by cashnetUSA *2022-07-26, version 7.0.0* I’ll make this quick and to the point. I work fir cashnet the only reason I gave 5 stars was so my review would reach people here. Everyone already knows what the bad reviews say. LISTEN up the review about the elderly lady claiming it was a quick loan to get her medicine was written by my associate. The 5 star reviews are not paid but we get perks for making them. ALL of the 5 star reviews are made by us workers or managers and supervisors. If you read all the positive reviews you will notice that they all sound alike pretty much. It’s because we all studied for the same test. I hope that makes sense. Yes I work here but I would never ever take out a loan here. I have taken calls and heard old lady crying because of being misled by my associates when applying for a loan. I’ve cried myself. Please listen. Cashnet does let you know up front the fees and how it works. If not it’s UP TO YOU to ask these questions. You wouldn’t go to a car lot and set down and apply for a loan without asking how much your payments are would you????? So don’t do it here. My advice is to not apply here for bless you truly absolutely need to and have a back up plan to pay it off VERY early. I have a heart. You have been warned from an honest worker. Thank you. ### 5/5 — Quick&Easy *2022-04-05, version 6.1.1* For a quick cash advance this is so much easier than physically visiting a cash advance business. They have great customer service, and the faster you pay it back the faster you can reborrow. If you don’t have the full payment that’s ok you can make payments towards the loan versus mom and pop cash advance loans like ACA. ### 5/5 — Best free credit and money loan app *2022-03-26, version 6.1.1* I needed money asap for my bill that was cut off. 400$!!! I researched some apps and came across this one after filling out several loan apps. I got approved instantly and the money was in my account same day. I really like the fact that i can pay monthly payments instead of weekly and it also helps my credit!!! If you need money fast this is the app for u!! Highly satisfied ### 5/5 — First time user *2022-02-11, version 6.1.0* This is been so helpful and I thank CashNetUSA for helping me and making the progress so easy, I highly recommend this to anyone who is in need of assistance they will help you and if you have questions or any issues they will help you understand what you can do and how to get help with them. Thank you CashNetUSA for helping me out I’m so appreciative of your assistance!!!!!! Have a great day !! ### 5/5 — Thankful *2021-10-15, version 5.7.1* I’m very thankful that you give people the chance to borrow funds when needed without all the crazy questions and paperwork the big plus is that I can set my payments date thank you so much and I’m very glad I chose to fill out the few questions I really didn’t think I would get anything but I did thanks again ### 5/5 — Thank you !! *2021-07-27, version 5.7.1* CastNetUSA helped me when I had no where else to turn. I was trusted by them. I was accepted even with my credit history. I am so thankful, so very thankful. The customer service is excellent. The on-line app is phenomenal. Everything you need to stay on top of your account is there for you. I have all GREAT comments - CashNetUSA has left nothing to worry about ! One can even change your due date! This is more than I ever asked for or expected! Very loyal customer, Cynthia Manis ### 5/5 — Thank you CashNetUSA *2021-06-30, version 5.7.1* I’ve been trying to repair my credit for some time now. CashNetUSA is the first place that has given me the chance to do so. It’s simple to use, and when they told me that the funds would be in my account the next day, well they were! I would recommend them to anyone who is looking for some extra funds for whatever reason. Thanks again CashNetUSA ### 5/5 — Thanks CashNetUSA!!!! *2021-05-18, version 5.7.1* After doing a ton of research to make a final decision on who to apply for a loan through, CashNetUSA won loyalty! With much less than a fair credit score(>570 to be nearly exact), I was approved within 10 minutes for a loan. I absolutely despise talking on the phone unless it’s friends or family so the fact of not having to communicate via a phone call was a huge plus for me. The application process was much more user friendly than you would expect when it comes to applying for loans. The process was straight to the point WITHOUT all the extra navigating to different sites like 90% of loan sites out there do to you. (CashNetUSA keeps you on their website the entire time) I would guesstimate…give or take no more than 5 minutes, that I was on their website going through the entire process for 15 minutes, from start to finish. Extremely convenient trust me I know!! Lastly, I was approved for the exact amount I needed with a pretty good APR for how low my credit score is and the funds were deposited into my bank account the very next day! I would recommend CashNetUSA to the entire world if I could so please, if your needing an emergency loan or just a loan in general, give CashNetUSA a try and I promise that you won’t be at all disappointed with your outcome! Sincerely, Aforever loyal CashNetUSA customer ❤️ --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*