CashNetUSA vs Upstart

	Featured	★ Editor's Pick
Feature	CashNetUSA CashNetUSA	Upstart Upstart Network, Inc.
Rating	3.2	4.5
Loan Type	payday	personal
APR Range	199% - 579%	6.3% - 35.99%
Loan Amount	$100 - $3,000	$1,000 - $75,000
Term Length	2 - 12 months	36 - 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	Lowest starting APR in our roundup Considers education and job history, not just credit score Same-day funding available in many states Borrowers with thin credit files often qualify
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 fee comes out of your proceeds, and Upstart doesn't publish its range Not available to residents of West Virginia or Iowa High maximum APR for higher-risk borrowers
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) US citizen or permanent resident Valid bank account Verifiable income or job offer starting within 6 months
	Review	Review

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