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By : Mr Credit Card

Intro: Who Is CashUSA Loans? is a loan aggregator site that lets you apply for a loan with their network of lenders with just one application. This saves you time and effort and can get offers within minutes of submitting your application. If you decide to take up any of the offers, you can get your loan deposited in your checking account as soon as the next business day. In this review, I went through the application to apply for a loan and I will now describe my experience as well as other aspects of

This Was How I Had To Apply

The loan application takes only a few minutes. Below are screenshots of the application page.

cashusa application
On the home page, I had to enter my zip code, birth year and the last 4 digits of my social security number.

cashusa application

On the second page, you need to fill in the following information:
  • Loan Amount - The minimum is $500 and the maximum is $10,000.

  • Your Credit Type - The dropdownn box has various choices: Excellent (720+), Good (660 to 720), Fair (500 to 660), Poor (Below 500), Not Sure (if you do not know your credit score).

  • Loan Reason - You have the following choices from the dropdown box: Debt Consolidation, Emergency Situations, Auto Repair, Auto Purhases, Moving, Home Improvement, Medical, Business, Vacation, Taxes, Rent or Mortgage, Wedding, Major Purchases, Student Related/Education, Other.

  • Your Full Name

  • Date of Birth

  • You will be asked if you are a military member

Once You have filled in the info, you can move to proceed to step 2.
cashusa application cashusa application

In step 2, you have to fill in the following information.
  • Email Address
  • Phone Number
  • Contact Time
  • Address - which is already pre-filled from the information you have given earlier
  • You will be asked if you won your home
  • Income Source - there are 4 choices: Job Employment, Self-Employment, Benefits, Unemployed
  • Time Employed - the choices are less than 1 year, 1-2 years, 2-3 years, 3-4 years, 4-5 years and more than 5 years.
  • When you get paid
  • Employers Name & Phone number
  • Monthly Gross Income
  • Drivers License or State ID
  • Social Security Number
  • Bank Account Type - either checking or savings

Once you have filled in step 2, you will proceed to step 3 where you fill in your bank account number and routing number.

After that it takes a couple of minutes for you to get offers from lenders that will approve you. Once, you get the offers, you have to take your time and go through the terms and conditions before you pull the trigger. I found the process to be relatively quick and easy.

Typical Loan Offers

Loans from range from 90 days to 72 months. The loan amount ranges from $500 to $10,000. The interest rate also ranges from 5.99% to 35.99%.

Requirements and Qualifications

To get approved for loan from lenders, you will need to at least meet the following requirements:
  • $1,000 Minimum Income After Taxes - You need to have a income of at least $1,000 a month after taxes. You can include benefits like social security etc.

  • Checking Account - You need a checking account to apply for a loan through because that is how your cash (or loan) will be deposited into your account.

  • Both U.S. Citizens and Permanent Residents Can Apply - Most loan aggregators only allow U.S. Citizens to apply. CashUSA is one of the few that also allows permanent residents to apply.

  • Work & Home phone numbers and email address - This is a very standard requirement for any loan that you take

  • All Credit Types Accepted - All credit types are accepted. However, given that the interest rate ranges from 5.99% to 35.99%, you score cannot be too damaged (ie in the 400 range). I think your credit scores should be at least in the mid 500 range.


Loan Co Amount Excluded States Not Eligible Min Income Credit Score$500-$10,000N.A.N.A.$#1,000/mN.A.
24/7 Loan Pros$1,000-$35,000NY, VT, WV, AKNo Military Personnel$800/m>540
100 Lenders$100-$40,000CT, NH, WA, VTNo Military Personnel$1,000/mN.A.
Zippy Loans$100-$15,000NYN.A.N.A.N.A.
Viva Loans$100-$15,000NY, WV, DCN.A.N.A.N.A.
Signature Loans$100-$35,000N.A.N.A.N.A.N.A.
Next Day Personal Loans$100-$40,000CT, NH, WA, VTNo Military PersonnelN.A.N.A.
Life Loans$100-$40,000CT, NH, WA, VTNo Military Personnel$1,000/mN.A.
Honest Loans$400-$50,000NYNo Military Personnel
No Federal Employees
Fast 5k Loans$100-$10,000NY, VT, WV, AKNo Military Personnel$800/m>540
Excel Online Loans$500-$20,000NY, DC, WVN.A.N.A.N.A.
Bad Credit Loans$100-$10,000N.A.N.A.N.A.N.A.

If you look at the table above, you can see that has several advantages over it's peers. Firstly, they do not exclude applicants from certain states. Many other aggregators do. Secondly, they do not exclude any profession. This may seem trivial to someone who is looking a loan online for the first time but if you have been around long enough, you will know that other aggregators might exclude military personel or folks who work for the federal government. There is also no minimum score requirements so even those of you with really bad credit can apply.

The only nit pick I would have is that some of you may be looking for a personal loan of more than $10,000. If that is the case, there are other aggregators like Zippy Loans, 100 Lenders and 24/7 Loan Pros that will have lenders in their network give more than $10,000 in loan amounts.

Pros and Cons


  • Reasonable range of loan amounts - You can get a decent range of loan amount with lenders from CashUSA network ($500 to $10,000)

  • No minimum credit score - CashUSA will accept applicants with any credit score.

  • Available in ALL States - CashUSA lenders will lend to folks in every state (unlike some other aggregators which exclude certain states).

  • Anyone can apply - This is sound a little weird but some aggregators restrict certain groups of people like folks from the military or folks who work for the federal government.

  • Permanent Residents Can Apply - Many lenders and aggregators will only lend to US Citizens. CashUSA will lend to permanent residents as well (ie Green Card Holders).

  • Process is Fast - The application process is fast, easy and relatively painless.


  • Loan Limit Capped at $10,000 - Most of you should not find this an issue but if you need a loan amount larger than $10,000, then you have to look elsewhere for a aggregator that will loan you a larger amount.

Our Take

There are many things I like about CashUSA as a loan aggregator. Firstly, anyone can apply for a loan through their site. This is not the case for many aggregators. For example, many sites restricts applicants from certain states. CashUSA does not. Furthermore, some do not allow military personal to apply. Others do not allow those who work in the federal government to apply. Others do not allow you to use benefits like social security income as part of your income. CashUSA has no such restrictions. Furthermore, unlike most loan aggregators, CashUSA allows permanent residents to apply for a loan through their network.

The only thing you have to be aware of is that you can request a loan amount of between $1,000 and $10,000. If you need less than $1,000 or more than $10,000, then you have to go with another network like ExcelOnlineLoans (which lets you borrow up to $20,000). You could also apply loans directly from banks like Merrick Bank that allows folks with scores as low as 580 to apply for a personal loan.

To sum up, I think CashUSA is one of the better loan aggregators around because they do not impose restrictions that other networks impose.

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