Is CashNetUSA licensed to operate in USA?

YES (but state-dependent)

CashNetUSA is licensed to operate in approximately 25-30 US states. They DO NOT offer loans in states with strict interest rate caps (e.g., New York, Pennsylvania, Connecticut, Massachusetts, Maryland, West Virginia, Vermont, Maine, North Carolina, Georgia, and others). 

Your Rights—Regardless of License Status

• Right to clear terms: APR, fees, and repayment schedule must be in writing before you sign
• Right to privacy: Your contacts and photos cannot be accessed without permission
• Right to be free from harassment: No abusive calls, threats, or public shaming
• Right to dispute errors: You can challenge incorrect charges or identity theft
• Right to complain: File with your country's financial regulator if treated unfairly

🔥 CRITICAL: Even if an app is "licensed," you still have these rights. A license does NOT give them permission to harass you or access your data without consent. If you experience abuse, report them immediately to your local consumer protection agency.