NetCredit vs OppLoans

		Featured
Feature	NetCredit Enova International, Inc.	OppLoans OppFi Inc.
Rating	3.8	4.0
Loan Type	installment	installment
APR Range	34.99% - 99.99%	129% - 195%
Loan Amount	$1,000 - $10,000	$500 - $5,000
Term Length	12 - 60 months	9 - 18 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	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty
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	APRs still very high vs traditional personal loans Not offered in about a dozen 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, recurring income	At least 18 years old US citizen or permanent resident Active checking account Verifiable income (recurring direct deposit preferred)
	Review	Review

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