CashNetUSA vs OppLoans

	Featured	Featured
Feature	CashNetUSA CashNetUSA	OppLoans OppFi Inc.
Rating	3.2	4.0
Loan Type	payday	installment
APR Range	199% - 579%	129% - 195%
Loan Amount	$100 - $3,000	$500 - $5,000
Term Length	2 - 12 months	9 - 18 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	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty
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 very high vs traditional personal loans Not offered in about a dozen states (check eligibility) Higher loan amounts come with longer commitments
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 income (recurring direct deposit preferred)
	Review	Review

Compare Different Products Apply Now We're paid by lending networks for loan requests submitted through our form.