Loan Comparison

	Featured	Featured
Feature	CashNetUSA CashNetUSA	OppLoans OppFi Inc.
Rating	4.2	4.0
Loan Type	payday	installment
APR Range	60% - 1140%	59% - 160%
Loan Amount	$100 - $3,500	$500 - $4,000
Term Length	0 - 18 months	9 - 18 months
Pros	Fast funding (often next business day) Available in over 30 states Online application	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty
Cons	Very high APR Short repayment terms Not available in all states	APRs still very high vs traditional personal loans Available in 38 states (check eligibility) Higher loan amounts come with longer commitments
Requirements	At least 18 years old US citizen or permanent resident Active checking account Verifiable source of income	At least 18 years old US citizen or permanent resident Active checking account Verifiable income (recurring direct deposit preferred)
	Review Apply	Review Apply

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