CashNetUSA vs OneMain Financial

	Featured	Featured
Feature	CashNetUSA CashNetUSA	OneMain Financial OneMain Holdings, Inc.
Rating	3.2	4.3
Loan Type	payday	personal
APR Range	199% - 579%	11.99% - 35.99%
Loan Amount	$100 - $3,000	$1,500 - $30,000
Term Length	2 - 12 months	24 - 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	Secured loan option available (lower rates with collateral) 1,300+ physical branches for in-person support Approves borrowers with credit scores in the 600s Same-day funding in many cases
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	Origination fees (flat or percentage, varies by state) Higher minimum APR than online-only competitors Requires verification appointment for many applications
Requirements	At least 18 years old US citizen or permanent resident Active checking account Verifiable source of income	At least 18 (19 in some states) Photo ID and proof of residence Verifiable source of income In-person or virtual appointment for verification
	Review	Review

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