NetCredit vs Upstart

		★ Editor's Pick
Feature	NetCredit Enova International, Inc.	Upstart Upstart Network, Inc.
Rating	3.8	4.5
Loan Type	installment	personal
APR Range	34.99% - 99.99%	6.3% - 35.99%
Loan Amount	$1,000 - $10,000	$1,000 - $75,000
Term Length	12 - 60 months	36 - 60 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	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	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	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, recurring 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

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