CashNetUSA and NetCredit SCRA: 6% on Pre-Service Debt, Who to Email

CashNetUSA answers the military question directly in its FAQ: if a debt was incurred by you, or by you and your spouse jointly, before active duty, “the servicemember is entitled to have the interest rate on the debt reduced to 6% during the period of active duty service.” It then routes you past the regular phone queue: active duty servicemembers, and anyone unsure whether the SCRA applies, should “contact our compliance department at escalations@cashnetusa.com.” Read November 2, 2026.

NetCredit, the installment and line-of-credit brand that Enova lists next to CashNetUSA on its own site, gives the same law a shorter answer and sends you to its customer support team at (877) 392-2014. Neither brand prints a deadline, a form, or a response time.

What the cap is worth at these prices

These are some of the most expensive loans a servicemember can carry, which makes the 6% cap worth more here than almost anywhere. CashNetUSA’s Delaware rates page (last updated December 9, 2025, read November 2, 2026) prices its line of credit at a 229% to 299% APR, with a transaction fee of 15% of every draw. Its own worked example: draw $600 from a $1,000 line, make only the minimum bi-weekly payment, and over 12 payments (six months) at 299% you pay $719.50 in fees and interest.

If that line and that draw predate your service, the statute holds the whole cost to 6% a year. “Interest” in § 3937(d)(1) includes “service charges, renewal charges, fees, or any other charges (except bona fide insurance),” so the 15% draw fee counts. Twelve bi-weekly payments on $600 at 6% a year come to about $9 of interest in total. Everything above that is forgiven, not deferred (§ 3937(a)(2)). Rates vary by state, and CashNetUSA notes it is not the lender in every state, so check your own state’s rates page and your contract.

The two brands side by side

NetCredit says its loans and lines are offered by a member of the NetCredit family of companies or by a lending partner bank, Quill Bank or Republic Bank and Trust Company, depending on the state, and that all open accounts are serviced by NetCredit. File with NetCredit regardless of which bank’s name is on the contract.

Filing your request

Get the 6% cap on a CashNetUSA or NetCredit account

1. List every account and draw that predates your active-duty start date. A line of credit opened before service can still carry draws taken during service, and those later draws are new debt; the revolving credit draws guide explains the split.
2. Get your orders showing the start date, or a commanding officer letter on letterhead. Add a DMDC status certificate if you have one.
3. Write a request asking for the 6% cap on all interest and fees from your start date, citing 50 U.S.C. § 3937. The letter generator drafts it.
4. CashNetUSA: email the letter and orders to escalations@cashnetusa.com. NetCredit: call (877) 392-2014, then send the same packet through the Message Center in your account so a written copy exists.
5. Ask for the applied rate, the effective date, and the recalculated payment in writing. Neither brand publishes a timeline, so follow up after one billing cycle.
6. If you already paid charges above 6% during service, ask for them back; the refund calculator sizes the claim.

Where borrowers lose money here

Assuming the cap covers a loan taken out on active duty. It does not. A CashNetUSA or NetCredit loan opened during service is Military Lending Act territory, where the ceiling is a 36% APR (10 U.S.C. § 987(b)). NetCredit’s FAQ says it does not offer lines of credit to applicants listed as covered borrowers in the MLA database. If a lender extended credit above 36% to you while you were covered, read how the MAPR is counted and who counts as a covered borrower.

Rolling the balance instead of capping it. A refinance or a new loan taken to pay off an old one during service is new debt, and it loses the cap the old balance had. Cap the pre-service balance first. The payday and title loan guide and the exit plan for high-cost loans cover the next moves.

Missing the 180-day window. Written notice and orders are due no later than 180 days after you leave service (§ 3937(b)(1)), and once delivered they reach back to the day you were called up (§ 3937(b)(2)). After the window closes, the overcharge stays with the lender.

For other online lenders, compare Avant, OneMain, and the full lender directory.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute , or read § 3937 in plain English, with its enforcement record .