CashNetUSA vs Personify Financial

	Featured
Feature	CashNetUSA CashNetUSA	Personify Financial Applied Data Finance, LLC d/b/a Personify Financial
Rating	3.2	3.9
Loan Type	payday	installment
APR Range	199% - 579%	36% - 179.5%
Loan Amount	$100 - $3,000	$500 - $15,000
Term Length	2 - 12 months	12 - 48 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	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	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	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 source of income	At least 18 years old Valid, active checking account Verifiable income Valid email address and government-issued ID for identity verification
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