I am very happy with my loan and the customer service at CashnetUSA. Applying for this loan was easy and the payments are affordable. I would recommend them to anyone that is in need of some emergency cash. Yes, the interest is high but it's affordable and instead of paying just the interest every couple of week you are able to pay off your loan in payments. So much cheaper that any other company I had ever gone through. Also, this company is the real deal not like other companies that I went through and are still dealing with. If you go through another company watch out for their scams. I have taken out 4 payday loans and paid them all in full now I am being harassed and being sent to collection for loans that are already paid off. Very Stressful!!! Thank You CashnetUSA for being a great company

FundsUser said:

Hello, This July of 2012 marks my three year anniversary as your customer. I can honestly say that the funds you've made available for me have been an invaluable help to me. Of course, the first loan was the most memorable for me. On that summer day, I was hit by my local power company with backcharges to my bill. I was trembling with fear and worry when facing the contractor who was dispatched to disconnect my power. My first thought was that it's a hot July summer day and my cats would suffer. Also, I had no funds whatsoever to put up to even get my power restored anytime soon. However, through the good grace of the contractor and much pleading, he accepted a check from me and said it wouldn't clear for several days. It bought me some time, but I had to scramble finding a way to put $700 into my bank account. After a short web search, I called CashnetUSA. At first, I was only approved for a $300 loan which was not satisfactory. I asked to speak to a supervisor, who listened to my story, also to the fact that I had another source of fixed income that I couldn't list on the online application. She instantly approved my request for a $700 loan. What a relief!!!. The money was deposited next morning into my account, keeping me above water in avoiding any insuffecient fund charges as well as fulfilling my outstanding debt I owed the power company. Since that memorable day, I've taken advantage of your credit to help me out with vet bills and of course, the obligatory auto failure. Thank you CashnetUSA, you've really helped out a person in need.

 

So does that mean you are a so called "preferred member"? I use to be and I had a discount code and thought Cashnet was great. Suddenly that discount code doesn't apply, no one really explains much, most emails go unanswered. The only consistent answer I get is they changed the program. Nothing to explain why the loan fees suddenly TRIPLED!!!! So if you are a preferred member, could you please explain that to me since no one in customer service will?

I tried to use my promo code. Nothing happened. Interest rate skyrocketed. Tired no promo code, same interest rate. Tried new promo code emailed to me. Nothing happened, same interest. Tried to customer service, thinking website was not working correctly. Told that my preferred member promo code was for payday loans, not installment loans (was told this by several different reps). Also told that the promo code was now a rebate, but could not be given a more definite explanation other than "rebate". Which still does not explain the skyrocketing loan fees! Also, no one could explain when the changes were made or why they were not more clearly detailed. My understanding was that the lending laws changed long before which was why I had an "installment loan" rather than a "payday loan". I could be mistaken, but no one was willing or able to explain this to me other than a generic statement without any details.

Also, please stop telling people to use the online chat. Every person I talk to says they are not able to discuss my loan because I have an installment loan and they can only discuss payday loans.

After several attempts to straighten this out, no one was willing. You're attempts are too little, too late. I am done with CashNet, other than warn people of my experience. And as you can see, I HAD been a customer for several years. You've have gotten enough of my fees, move on to the next sucker.

CashNetUSA said:

Hi frnkie,

Thanks for being a valued Preferred Member! I just checked your account based on the email address you submitted, and I can assure you that you are still a Platinum Member. If you use a promo code other than your Preferred Member code when you apply, then you will not be able to use your Preferred Member code. Additionally, for our installment loans, promo codes are applied as a "rebate" off your first two installment payments and paid out to you after the loan is paid off. 

In regards to your question about larger loan fees: Lending laws and regulations have changed in your state of Wisconsin. Please check out our Wisconsin Rates and Terms page here. You can find Rates and Terms for all states we service here. I hope this answered your question. Please let us know if you have additional questions by calling us at 888.801.9075 or chatting with us live. We're available 24/7 for your convenience! 

Your customer service responses contradict each other over and over, and again here. Here is an example of the many conflicting responses received:

"In response to your email, I'm sorry to inform you. You can't apply the discount code on the installment loan. The installment loan is only offered per your state.

Thank you for choosing CashNetUSA, America's trusted online lender."

Can you explain that?

You have to realize these kinds of loans are for people who cannot get a loan

because of bad credit or other reasons and have no choice. it can be a matter of going default on a bill

or overdrawn on a bank account which can be just as much in penalties or more than these loan fees,

take advantage of promo codes ,pay them off the first time. No disrespect to cash net usa but 

don't ever extend your loan , while you may think oh cool, for a 500 dollar loan even with a 25 percent promo code ,youll pay the 96 bucks which is the cab plus interest in my state and then 2 weeks later you will pay the 500 bucks plus 125 which is what you would pay normally without a promo code since your extending the loan as if its a new non discounted loan. so you end up paying 721 dollars for a 500 dollar loan, that's for one month . 221 dollars in fees – that is ridiculous. So if you cant pay it off on the next due date then you shouldnt get the loan. like the site says these are short terms loans, if you extend you are really hurting yourself more in the long run and a lot of people get into worse debt and legal problems.  My advice , while it's nice occasionally to have that in between paychecks money ,dont make it a habit. Get a better job and manage your money and only use payday loans as a last resort and use promo codes – dont ever pay full fees. good luck to everyone .