Loan Comparison

	Featured
Feature	CashNetUSA CashNetUSA	LendingPoint LendingPoint, LLC
Rating	4.2	4.1
Loan Type	payday	personal
APR Range	60% - 1140%	7.99% - 35.99%
Loan Amount	$100 - $3,500	$2,000 - $36,500
Term Length	0 - 18 months	24 - 72 months
Pros	Fast funding (often next business day) Available in over 30 states Online application	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check
Cons	Very high APR Short repayment terms Not available in all states	Origination fee up to 10% in some states Not available in NV or WV Longer terms mean more interest paid over time
Requirements	At least 18 years old US citizen or permanent resident Active checking account Verifiable source of income	At least 18 years old Minimum FICO score around 600 Verifiable annual income of $20,000+ Active US bank account
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