NetCredit vs OneMain Financial

		Featured
Feature	NetCredit Enova International, Inc.	OneMain Financial OneMain Holdings, Inc.
Rating	3.8	4.3
Loan Type	installment	personal
APR Range	34.99% - 99.99%	11.99% - 35.99%
Loan Amount	$1,000 - $10,000	$1,500 - $30,000
Term Length	12 - 60 months	24 - 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	Secured loan option available (lower rates with collateral) 1,300+ physical branches for in-person support Approves borrowers with credit scores in the 600s Same-day funding in many cases
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 fees (flat or percentage, varies by state) Higher minimum APR than online-only competitors Requires verification appointment for many applications
Requirements	At least 18 years old US citizen or permanent resident Active checking account Verifiable, recurring income	At least 18 (19 in some states) Photo ID and proof of residence Verifiable source of income In-person or virtual appointment for verification
	Review	Review

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