CashNetUSA vs NetCredit

	Featured
Feature	CashNetUSA CashNetUSA	NetCredit Enova International, Inc.
Rating	3.2	3.8
Loan Type	payday	installment
APR Range	199% - 579%	34.99% - 99.99%
Loan Amount	$100 - $3,000	$1,000 - $10,000
Term Length	2 - 12 months	12 - 60 months
Pros	Fast funding (often same business day if approved before 1:30 p.m. CT) No traditional credit-score minimum to apply Available in 13 states with per-state rate disclosures published online	Installment structure with fixed monthly payments Reports payment history to major credit bureaus No penalty for paying off a loan early Checking eligibility does not affect your FICO score
Cons	Very high APR (199%-579% depending on state and product) Parent company Enova has settled two CFPB enforcement actions over unauthorized account debits Not available in most states	APRs still far above a traditional bank or credit union loan Not available in Colorado, DC, Maryland, New Hampshire, New York, Pennsylvania, or West Virginia Line-of-credit product carries a separate 10% cash advance fee per draw
Requirements	At least 18 years old US citizen or permanent resident Active checking account Verifiable source of income	At least 18 years old US citizen or permanent resident Active checking account Verifiable, recurring income
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