Terms Unconditional

Payday & Small-Dollar Lenders · Online small-dollar & installment lender · Regulatory action

Enova International (CashNetUSA, NetCredit)

Headline

Enova is a repeat CFPB offender. A 2019 consent order found it debited consumers' bank accounts without authorization and failed to honor loan extensions it had granted ($3.2M penalty).

Not independently verified. Verification status: Unverified - heuristic first draft. Publish state: draft unverified.

Enova is a repeat CFPB offender. A 2019 consent order found it debited consumers' bank accounts without authorization and failed to honor loan extensions it had granted ($3.2M penalty). A 2023 order found it violated the 2019 order by debiting accounts without consent again ($15M penalty plus redress). The CFPB terminated the 2023 order early on Sept. 2, 2025 and 'waived any alleged non-compliance.' Closest to home: the Virginia Attorney General's 2018 suit against Enova's NetCredit lending unit over rates charged to Virginians ended in a January 2026 consent decree. Enova denied the allegations but paid $3.4M ($3.1M in restitution) and agreed to forgive about $87M in charged-off Virginia debt.

  • SeveritySeverity 4 of 5, not independently verified. Enova is a repeat CFPB offender. A 2019 consent order found it debited consumers' bank accounts without authorization and failed to honor loan extensions it had granted ($3.2M penalty).
  • Evidence tierUnassigned
  • Claims confirmedNo sourced claims yet
  • Last verified2026-10-16

Primary source. www.consumerfinance.gov/enforcement/actions/enova-international-inc-2023/ — Unverified - heuristic first draft.

Last verified 23 days agoverified 23 days ago0180 days
Freshness. Last verified 23 days ago (2026-10-16); stale after 180 days.

Terms

Arbitration

Yes - individual arbitration and no class actions in CashNetUSA and NetCredit site terms; carve-out for MLA-covered borrowers.

Data sharing

CashNetUSA terms and privacy disclosures (Feb. 2026) say data is used in online, in-app and cross-channel advertising and may be shared with service providers for targeted advertising; the site honors Global Privacy Control as a 'Do Not Sell or Share' request. The sites use session-analytics tools (Fullstory on CashNetUSA, Hotjar on NetCredit) that record how users interact with pages, including on loan-application flows. The CNU rates page notes 'CashNetUSA and third-party lenders use various credit reports, data sources and application information' in underwriting; the CashNetUSA homepage links to NetCredit through an affiliate tracking URL.

Who holds your data. Data chain: Enova International (CashNetUSA, NetCredit), then Enova International, Inc. (public, NYSE: ENVA). (parent).

Fees and billing

CFPB 2019: unauthorized debits from accounts consumers had not authorized; extensions not honored. CFPB 2023: repeat unauthorized debits and deceptive practices; $15M penalty and redress. NetCredit Virginia line of credit: 34.99%-99.99% APR plus a 10% fee on each cash advance. Virginia AG consent decree (Jan. 2026): $3.1M restitution plus reduced rates on outstanding loans and about $87M in debt forgiveness.

Contacts

Privacy contact. CashNetUSA: 888.801.9075; online opt-out request link and 'Do Not Sell or Share My Personal Information' control on site.

Legal notice. 175 West Jackson Blvd., Chicago, IL (SEC EDGAR business address). Site terms designate federal and state courts in Cook County, IL; CashNetUSA site links a 'Service Of Process' page (not reviewed).

Mailing address. Not recorded.

Written channel present
Paper trail: written. Written channel present.

Evidence

No claims have been itemized for this row yet.

Sources

SourceClaimTierStatusQuote
CFPB enforcement action page · 2019-01-25
www.consumerfinance.gov/enforcement/actions/enova-international-inc/		whole rowUnassignedconfirmed“The Bureau found that Enova violated the Consumer Financial Protection Act of 2010 by debiting consumers’ bank accounts without authorization.”
Quote basis: not recorded.
CFPB enforcement action page · 2025-09-02
www.consumerfinance.gov/enforcement/actions/enova-international-inc-2023/		whole rowUnassignedconfirmed“On September 2, 2025, pursuant to the Bureau’s authority under 12 U.S.C. § 5563(b)(3) and under Paragraph 120 of the order, the Bureau terminated the order and waived any alleged non-compliance therewith.”
Quote basis: not recorded.
SEC Form 10-Q (Q2 2026) · 2026-07-23
www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm		whole rowUnassignedconfirmed“In January 2026, the parties entered into a Consent Decree to resolve the matter”
Quote basis: not recorded.
Company rates page · 2026-10-16
www.netcredit.com/rates-and-terms/virginia		whole rowUnassignedconfirmed“All loans lines of credit are underwritten, approved and made by Quill Bank or Republic Bank & Trust Company.”
Quote basis: not recorded.
Company terms of use · 2026-02-26
www.cashnetusa.com/terms-of-use.html		whole rowUnassignedconfirmed“THIS ARBITRATION SECTION DOES NOT APPLY IF (1) YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH A MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT”
Quote basis: not recorded.
Company terms of use · 2025-11-03
www.netcredit.com/terms-of-use		whole rowUnassignedconfirmed“Disputes will be arbitrated only on an individual basis and will not be consolidated with any other arbitration”
Quote basis: not recorded.
Statute · 2026-10-16
law.lis.virginia.gov/vacode/title6.2/chapter18/section6.2-1817/		whole rowUnassignedconfirmed“Interest at a simple annual rate not to exceed 36 percent”
Quote basis: not recorded.
Statute · 2026-10-16
mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcl&section=12-306&enactments=false		whole rowUnassignedconfirmed“2.75 percent interest per month on that part of the unpaid principal balance not more than $500”
Quote basis: not recorded.
State AG press release · 2020-06-05
oag.dc.gov/release/ag-racine-sues-predatory-online-lender-illegal		whole rowUnassignedconfirmed“payday loans are illegal in the District”
Quote basis: not recorded.
Statute (LII) · 2026-10-16
www.law.cornell.edu/uscode/text/10/987		whole rowUnassignedconfirmed“the creditor requires the borrower to submit to arbitration”
Quote basis: not recorded.

Source vault

Link status: Candidate - not yet fetched

DocumentLast fetchPDF
Privacy policy
https://www.cashnetusa.com/privacy-policy.html		Not fetched yetNOT CONFIRMED
Terms of service
https://www.cashnetusa.com/terms-of-use.html		Not fetched yetNOT CONFIRMED
Website
https://www.cashnetusa.com/		Not fetched yet—
Primary source
https://www.consumerfinance.gov/enforcement/actions/enova-international-inc-2023/
Verification: Unverified - heuristic first draft		Not fetched yet—

Enforcement

ActionAmountLink
In re Enova International, Inc. (2023 repeat-offender order)
Consumer Financial Protection Bureau, 2023
CFPB Consent Order, No. 2023-CFPB-0014 (Nov. 15, 2023); terminated Sept. 2, 2025.		$15Mproposed
In re Enova International, Inc. (2019)
Consumer Financial Protection Bureau, 2019
CFPB (BCFP) Consent Order, No. 2019-BCFP-0003 (Jan. 25, 2019).		$3.2Mproposed

Links are proposed matches, not yet reviewed.

State statute

No comprehensive state privacy statute on file for IL