LendingPoint vs NetCredit


Feature	LendingPoint LendingPoint, LLC	NetCredit Enova International, Inc.
Rating	4.1	3.8
Loan Type	personal	installment
APR Range	7.99% - 35.99%	34.99% - 99.99%
Loan Amount	$1,000 - $36,500	$1,000 - $10,000
Term Length	24 - 72 months	12 - 60 months
Pros	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check	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	Origination fee up to 10% deducted from loan proceeds Not available in 9 states and DC Longer terms mean more interest paid over time	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 Credit score typically 640 or higher (no published hard minimum) Verifiable annual income of $35,000+ Active US bank account	At least 18 years old US citizen or permanent resident Active checking account Verifiable, recurring income
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