CashNetUSA vs LendingPoint

	Featured
Feature	CashNetUSA CashNetUSA	LendingPoint LendingPoint, LLC
Rating	3.2	4.1
Loan Type	payday	personal
APR Range	199% - 579%	7.99% - 35.99%
Loan Amount	$100 - $3,000	$1,000 - $36,500
Term Length	2 - 12 months	24 - 72 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	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check
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 up to 10% deducted from loan proceeds Not available in 9 states and DC Longer terms mean more interest paid over time
Requirements	At least 18 years old US citizen or permanent resident Active checking account Verifiable source of income	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
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