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UsaExpressLoans.com Review: A New Website with No Reputation

What is USA Express Loans?

USA express loans logo

USA Express Loans is an online lender which is licensed by the California Department of Business Oversight. They believe in fair and honest lending. The company also claims to have served 1 million clients and 100% of them were happy. The lender also complies with current lending laws and regulations including the Truth In Lending Act and the Consumer Financial Protection Bureau.

Loan typesMin.amountMax.amountPeriodFeesDocumentsBad credit
Payday loans$100$2557-30 days$17 per $100 borrowedSocial security numberYes

Types of Loans

USA Express Loans offer payday loans that cannot exceed $255.


A payday loan is a small loan which is intended to help people cope with emergency expenses until their payday. The original amount borrowed plus fees are repaid on the next day you receive your wages.

After you sign the contract through DocuSign, the funds are sent immediately to your banking account. Most banks process the funds and make them available to you within 24 hours, however, some banks will process your money up to 3 business days.

Terms of Use

Payday loans offered by USA Express Loans range from $100 to $255. The lender’s decision will be affected by the personal and financial information you provided during the application process.

According to the website, there are no hidden fees or charges. Borrowers will only pay $17 per each $100 borrowed. You can see the fees and amounts due in the table below:


Regretfully, the eligibility criteria are not specified anywhere on the website. I suggest they do not differ greatly from those established by other payday loan companies: be at least 18 years of age, have an SSN, physical address, email address and phone number, be employed and have a steady income, be a legal resident of the USA.


Using this website, you are able to apply for a payday loan online, without the need of visiting the lender’s office. The application typically takes a few minutes.

To get a loan through USA Express Loans, you will need to specify your full name, home address, time at address, zip code, birth date, mobile phone number, email address, Social Security Number, your income and bank account details.

If you want your request to be approved, you must provide the correct information in your application.

Like any other payday lender, this company does not require any collateral or faxing any documents.


A payday loan should be returned on the day you get paid. If your next payday is less than 8 days away, you will need to pay off your loan on the following payday. If you receive your wages monthly, you will need to return your loan on your next payday (between 8 to 31 days away).

If you receive your wages on the day outside of these ranges, you will need to repay your loan in 14 days. In any case, the due date will be stated in your agreement.

The money will be withdrawn from your bank account via ACH on the due date. You can also pay off your loan early but this will not reduce the fee you owe.

If you do not have enough money on your bank account on the due date and fail with your payment, the lender will charge a non-payment $15 fee. You’d better avoid such situation because non-payment can negatively affect your credit score. Your loan may also be sent to an independent collection agency who will try to collect the debt. If you have difficulty repaying your loan, you should contact USA Express Loans customer service by phone as soon as possible in order to discuss the options available.


Depending on circumstances, you may be eligible for a loan extension. Each case is individual and should be discussed with the lender over the phone. I suspect loan extension/renewal will incur additional fees so try to clear your debt on time.

UsaExpressLoans.com Bad Credit

The lender mentions that bad credit does not reduce your chances of getting a loan. They look at your income and its frequency rather than your credit history. So even if your credit score is far from perfect, you are still eligible for a payday loan with this company.

Technical Characteristics of the Website

Secure Сonnection

UsaExpressLoans.com uses the highest encryption to keep all of the applicants’ banking details and personal information safe and secure. They utilize a 256-bit Secure Socket Layer provided by GoDaddy.com and also have an Extended Verification Certificate which verified the owner of the website and confirmed its legitimacy.


I like that the company takes care of users’ safety and privacy and their lending approach seem responsible – a 256-bit encryption is the advanced security technologies and is used in most modern encryption algorithms and protocols.

Mobile Version

According to Google Mobile-Friendly Test, UsaExpressLoans.com is mobile-friendly. I like that the site only has the functionality and content that is needed for smartphones and tablets; menus, navigation and other design elements are completely customized to the needs of mobile users; the desktop and mobile versions can be changed independently of each other; fast loading time.

mobile version

So, if you are a mobile user, you will definitely like the mobile version of this lending company.


New online threats (viruses, worms, trojans) appear every day and they can have unpleasant consequences for users. Therefore, you can infect your PC by simply visiting a website. Even the largest and trusted websites can distribute dangerous software. Hackers may collect your sensitive personal and financial information. Regretfully, UsaExpressLoans.com does not utilize any antivirus programs that able to protect users from online attacks. I think it’s a serious disadvantage.

Convenience of Use

The website’s design seems simple and intuitive. Users do not need to register before starting an application process and this can really save their time. All you need is to choose the desired loan amount and click on the “Get Your Loan Now” button at the front page:


The online application form includes basic questions but unlike other lenders, they ask borrowers to upload a photo ID (front and back image).

upload photo id

After you’ve completed all the fields and submit your application, the lender’s representative will quickly review it, usually within a few hours. After approval, the lender will send you a link to digital documents that you have to sign online before the company can deposit the money to your bank account. After you’ve e-signed all the documents, funds will be immediately sent to your account. Depending on your bank, you can see them into your account in 1-3 days. On the due date, the original amount plus interest will be withdrawn from your bank account.

I appreciate that this site gives the exact fees and terms of your loan, makes no phone calls or credit check, but some important details are still missing (for example, requirements, extension policies and some more). Besides, I think many users will not like the thing with loading a photo ID, which requires extra time and efforts.

Is UsaExpressLoans.com Legit?

ScamAdviser gave USA Express Loans website a 78% trust-rating, which is not perfect but still above the average level of trust. The service also reported that this is a new website with limited and hidden information:


According to the report, the website has been created 216 days ago and its popularity is questionable. It is based in the United States but its real location is hidden. In spite of this, ScamAdviser seems to trust this online service, although you need to use it with caution until the company gains any reputation.

UsaExpressLoans.com Reviews

On-site Reviews

Users prefer to take loans from a lender with a perfect reputation. Therefore, it’s important to read what people say about this or that online company. Excellent reviews would have testified that the lender is providing quality and legal services, while complaints would have made then search for other websites providing loans. Unfortunately, this website does not have a testimonial page where people could post their UsaExpressLoans.com reviews.

Instead, the website contains several reviews that look like an advertisement. Daniel Sims is happy that this company helped him through a tough time. Jill Sanders said the application was easy and the customer service was wonderful from start to finish. Grace Hall reported that USA Express Loans helped her cover a few bills until her next paycheck.

on-site reviews

Since these comments are not dated, too limited and are selected by the lender, I cannot trust them.

Reviews on Third-Party Websites

Since this website is very new, it has not gained any online reputation. There are no customer reviews on the web. I found no evidence that this lender is operating within the law and providing quality services. Should you ever come across any testimonials about this online lending service, please leave a link below.

Customer Support

Contact Information

USA Express Loans office is located at 375 Redondo Ave #604, Long Beach, CA 90814.

  • Email: support@usaexpressloans.com
  • Phone number: 1-833-872-3977

I appreciate that they provided detailed contact information every user wants to know before applying.

UsaExpressLoans.com Locations

USA Express Loans is providing services in all states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Getting a Consultation

If you have any concerns, suggestions or questions, you can contact the customer service by calling at 1-833-872-3977 or emailing to support@usaexpressloans.com. You can send your inquiry via a contact form. According to the website, the customer care department is responding to all messages within 24 hours and is available 7 days a week between 9 am to 5 pm.

I attempted to reach the customer support team by sending a message via a contact form. I asked them to specify their requirements (borrowers’ eligibility criteria). I did not receive any reply within 24 hours and have to conclude that their customer service is not as wonderful as they promise. You can also try to call them but prefer online consultations.


UsaExpressLoans.com is a new website which seems to be operating legally. I appreciate that loans are reviews and approved quickly but clients are not always able to get the funds the same day. The site utilizes the advanced encryption technology and has a good trust-rating given by ScamAdviser. All rates and terms are listed on the website which means you can always review them in advance and decide whether it’s worth applying for a loan or not. Another benefit is that the lender makes no phone calls or credit checks. The disadvantage of this service that it only offers payday loans that cannot exceeds $255, so if you are interested in a higher amount, you will have to search for another lender. The company provides services in all states but there are no customer reviews confirming that its services are good. I also had trouble contacting their customer support group which means they need to optimize it. In general, Cash Factory USA seems is a promising lender that is able to help consumers get the cash they need urgently but I recommend you searching for another company with an extensive experience and excellent online reputation.

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About the Author

Nancy Torrez
Nancy Torrez

Nancy Torrez is a copywriter of many financial posts relating to issuance of payday loans. She specializes in details about online loans. Nancy believes this product will help many Americans solve any financial problems. Nancy has graduated from Business School and has been previously engaged in banking business. She was disappointed by the aspect 8 out of 10 people cannot issue bank loans.

Nancy Torrez is 35, she is married, and has 2 daughters. In every case of human life there are occasions when you urgently need money. If you have no time to analyze the market, you are welcome to read the information presented on the website.