Avant vs CashNetUSA

		Featured
Feature	Avant Avant, LLC	CashNetUSA CashNetUSA
Rating	4.2	3.2
Loan Type	personal	payday
APR Range	9.95% - 35.99%	199% - 579%
Loan Amount	$2,000 - $35,000	$100 - $3,000
Term Length	24 - 60 months	2 - 12 months
Pros	Fair-credit friendly (typical applicants have FICO 600-700) No prepayment penalty Mobile app for managing payments Fast funding (often next business day)	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
Cons	Administrative fee up to 9.99% deducted from loan proceeds Not available in HI, IA, MA, ME, NY, VT, WA, WV Higher rates than top-tier lenders for excellent credit	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
Requirements	At least 18 years old Valid Social Security number Verifiable income (typically $1,200/month minimum) Active checking account	At least 18 years old US citizen or permanent resident Active checking account Verifiable source of income
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