Cashaa review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cashaa suits borrowers outside the UK and USA who want a secured loan in dollars with no credit check and funding on approval. Borrowings run $1,000 to $70,000 at an APR of 0% to 12%, early repayment costs nothing, though an origination charge is deducted at the start and the term is short.

Key facts

Best for
A secured dollar loan with no credit check and funding on approval.
APR
0% to 12% (Source, checked September 26, 2026)
Loan amount
$1,000 to $70,000 (Source, checked September 26, 2026)
Term
up to 12 months (Source, checked September 26, 2026)
Arrangement fee
1% of principal, minimum $20, deducted at origination (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Instant - USDT in account on approval (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Not a citizen or resident of the UK or USA and not in sanctioned countries; government-issued ID KYC required (Source, checked September 26, 2026)
Origination fee (%)
1% (Source, checked September 26, 2026)
Loan types
Secured (Source, checked September 26, 2026)
Legal entity
3-102-942115, SOCIEDAD DE RESPONSABILIDAD LIMITADA (Source, checked September 26, 2026)
Headquarters
Costa Rica (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Help-centre, Community (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
cashaa.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXcoingecko.comcyberscope.io

Pros and cons

Pros

  • The credit check is none, so no credit file stands in the way of applying.
  • Funding time is Instant - USDT in account on approval, so the balance lands without a bank transfer wait.
  • Early repayment is free, so settling the loan early costs nothing extra.
  • Borrow $1,000 to $70,000 at a fixed rate, with an APR of 0% to 12% on a secured structure.

Cons

  • On the secured loan an origination charge of 1% of principal, minimum $20, deducted at origination is deducted before the money reaches you.
  • Support runs on email, help centre and community only, with no phone line.
  • The repayment window is brief, capped at up to 12.
Cashaa

Ready to try Cashaa?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers living outside the UK and USA who hold government-issued ID, since the terms exclude UK and US citizens and residents.
  • Anyone who needs the balance in the account on approval rather than after a bank transfer.
  • People who can back the borrowing with an asset, as Cashaa's loans are secured and it lends as a direct lender.

Who should look elsewhere

  • UK and US citizens and residents, who sit outside the eligibility rules, should read Sofkredit, which publishes an APR of 10.74% to 18.06%.
  • Borrowers planning a long repayment, since the term here runs to up to 12 at most while Creduma ES lends from €12,000.
  • Anyone comparing a much wider rate spread, since Solcredito MX quotes an APR of 9.5% to 3,696%.

How Cashaa compares

Frequently asked questions

What rate do I pay on a Cashaa loan?+

Cashaa lends at a fixed rate, so the cost does not drift while you repay. The APR runs 0% to 12%, and early repayment carries no charge, which keeps a short borrowing affordable if your income arrives earlier than planned.

What fees does Cashaa charge?+

There is an origination fee of 1% of principal, minimum $20, deducted at origination, which is a percentage of what you borrow, so a larger loan carries a larger fee. The rate is fixed, so the interest figure holds steady for the whole term.

How much can I borrow and for how long?+

Borrowings run $1,000 to $70,000. The repayment term is up to 12 at most, which keeps the schedule short. Cashaa describes its loans as secured, so the borrowing is backed by an asset rather than spread over a long personal repayment.

Do I need a credit check?+

The credit check is none, so there is no credit file to pass. Approval still rests on identity checks: the terms require government-issued ID for verification, and the eligibility rules exclude citizens and residents of the UK and USA along with sanctioned countries.

How fast does the money arrive?+

Funding time is Instant - USDT in account on approval, so the balance shows up in your account as soon as you are approved rather than after a bank transfer. Same-day funding is among the features Cashaa marks under same day funding.

Can I repay the loan early?+

Yes. Cashaa offers free early repayment, so settling the balance before the end of the term attracts no extra charge. That suits anyone whose income arrives earlier than planned, and it is worth checking because the origination fee of 1% of principal, minimum $20, deducted at origination is still taken at the start.

How do I get help if something goes wrong?+

Support runs on email, help centre and community, so you reach the team by email, through the help centre or in the community. No phone line appears, so put anything urgent in writing and keep a copy of it.

Who is behind Cashaa?+

Cashaa is a direct lender registered in Costa Rica, and the contract names the legal entity 3-102-942115, SOCIEDAD DE RESPONSABILIDAD LIMITADA. It lends in its own name rather than passing your application on to other providers, so the terms you agree are the ones set out in its terms.

Sources

  • cashaa.com checked September 26, 2026

    Backs: Founded, Pricing model

    “Founded 2016; the same core team since 2016”

  • cashaa.com/contact-us checked September 26, 2026

    Backs: Support channels

    “Help centre - help.cashaa.com - Email - Form; support replies within 1 business day”

  • cashaa.com/legal/liquidity-terms checked September 26, 2026

    Backs: Free early repayment, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Term

    “No Early Penalties: Borrowers may repay the loan early and also pay only the interest accrued up to the date of repayment”

  • cashaa.com/legal/terms checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity

    “You are not a citizen of or reside in the United Kingdom, United States or any sanctioned countries”

  • cashaa.com/unlock-cash checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Funding time

    “LTV table: $10,000 collateral unlocks $1,000; $100,000 collateral unlocks $70,000”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Cashaa

Cashaa

A secured dollar loan with no credit check and funding on approval.

9.1/10See alternatives

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