How It Works
At CashNetsUsa, we believe the process of obtaining a loan should be made quick, easy and hassle-free. Our online form has been streamlined with easy to answer questions to quickly point you in the right direction. Your loan request must be completed accurately since this is the information our lender network uses to ultimately decide whether they are able to provide you with a loan offer. One of the advantages of using CashNetsUsa is that we work with many lenders that have different lending methods and practices. This means that you are more likely to find a lender within our network because there are more options available to you. Since every lender has their own lending policies, we highly encourage you to read their disclosures, loan terms and lending practices carefully before you sign and agree to any loan.
Frequently Asked Questions
What is a Personal Loan?
A personal loan is a way for an individual to receive up to $35,000 in funding. It is a loan that can be used for home enhancements, luxury item purchases, vehicle repairs or large purchases. The length of the loan is called the term and can range all the way up to 180 days, depending on the lender. Our simple online form does not contain any long questions. Instead, it asks for your basic information and a location for where you would like the loan to be sent to. It is that easy!
Basic Loan Requirements:
- Must be at least 18 years old.
- Must be a U.S. citizen or Permanent Resident.
- Currently employed or receive steady income.
- Have a bank account to receive the funds, ideally with direct deposit.
What is a Personal Loan For?
People get personal loans to help with home repairs, luxury purchases, holiday shopping, and more. A loan from one of our lenders can help you get the funds you need! Just fill out our simple online form. Follow the short process and, if you are approved, you may receive your funds as soon as the next business day!
Are There Any Applicable Fees and/or Interest?
CashNetsUsa services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement.
When Do I Repay the Loan?
Loan repayment terms differ by lender. Thus, it is important to check the loan agreement from your lender for information on the lender's repayment terms.
What If I Need to Make a Late Payment?
Late payment penalties differ from lender to lender. Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement. For more information, please contact the lender directly if you have any issues repaying your loan.
How do you protect my privacy and personal information?
Important Information & Disclosures
APR Disclosure & Range Information
Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made. CashNetsUsa cannot guarantee any APR since we are not a lender ourselves. Annual Percentage Rates (APR) start from 5.99% up to a maximum of 35.99%. Personal loans have a 61-day minimum repayment period and a 72-month maximum repayment period. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.
Representative Examples For APR, Total Loan Costs & All Applicable Fees
|Loan Term||12 Months||24 Months||48 Months||60 Months|
Lenders have unique Renewal Policies. Some of them have automatically renew or "roll-over" features. These conveniences often come at an additional fee. Please ask the lender you were connected with for their renewal policy. Again, it is vital to read through the entire Loan Agreement and Disclosures to make sure you are comfortable with their terms before accepting the loan.
Late, Partial, or Non-Payments and Collections
Though each lender must operate within the state laws that govern them, they have their respective approaches to handling late payments. A loan is an agreement between you and the lender to fully repay the loan by the time agreed. Depending on your agreement with your lender, if you are late for the agreed payment, a lender may add fees, send to a collections agency, report your late, partial or non-payment to a consumer reporting agency. These policies change per lender, so please make sure to consult your lender to find their respective policies.