NetCredit vs Personify Financial


Feature	NetCredit Enova International, Inc.	Personify Financial Applied Data Finance, LLC d/b/a Personify Financial
Rating	3.8	3.9
Loan Type	installment	installment
APR Range	34.99% - 99.99%	36% - 179.5%
Loan Amount	$1,000 - $10,000	$500 - $15,000
Term Length	12 - 60 months	12 - 48 months
Pros	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	Looks beyond your credit score at income and banking history No application fee, and no penalty for paying off a loan early Funds available as soon as the next business day after you sign Reports payment history to the credit bureaus, plus monthly FICO Score access at no added cost
Cons	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	APRs run up to 179.50%, at the top of the range for any installment lender Origination fee of up to 5.99% is added to the balance on most loans, so you pay interest on it too Only active in 27 states — many of the largest states aren't on the list Uses a bank-partner structure that consumer advocates and at least one lawsuit have challenged
Requirements	At least 18 years old US citizen or permanent resident Active checking account Verifiable, recurring income	At least 18 years old Valid, active checking account Verifiable income Valid email address and government-issued ID for identity verification
	Review	Review

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