Upswing
An Upswing line of credit brings you the fast cash and simple online process you've come to expect from CashNetUSA, plus exclusive features that can make your line of credit more flexible and affordable.
Rate Reducer
If you make your payments on time, you should be able to pay lower interest. Simple, right?
Upswing lines of credit start at 249% APR, your new rate if you convert from an existing line. Better yet, every six months of on-time payments get you another 10% off your APR.
Fee Saver1
Lower fees mean it costs less to borrow. And who doesn't want that?
An Upswing line of credit will never have a draw fee over 10% of the amount drawn. And after six months of repayments, that can drop to 5%.
Why should I be a part of Upswing?
Do you want a loan that recognizes your repayments with better rates and other perks? With on-time repayments on an Upswing personal loan, you make progress towards the features above, kind of like filling up a meter. And when you reach certain milestones, you get lower interest and the ability to defer payments.
See how a customer named Courtney can get her APR down to 149%.
Initial Draw
249% APR
10% Draw Fee
Courtney is approved for an initial credit limit and APR. She makes her minimum payments on time for six months.
After Six Months of On-Time Payments
239% APR
5% Draw Fee
Six months of on-time payments have earned her 10% off her APR and reduced her draw fee to 5% of the amount drawn. That means it costs less for her to borrow from her line of credit.
Delay-a-Pay
If she can't make a payment one month, it's no problem. She defers one payment to the end of her loan.
149%
Eventually, Courtney's on-time payments can reduce her APR by a full 100 percentage points.
Want to get started?
If you've received a pre-approval offer, redeem below or just log in to your account.
Get more with CashNetUSA
We want to be more than just a lender — we want to be your financial partner. That's why we've created special programs for all CashNetUSA customers that can help with everything from saving money to improving financial know-how.
CashNetUSA Supersaver is an everyday discount program designed to help you save! You get access to thousands of coupons and other deals on dining, shopping, things to do and more.
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Financial Education Courses
With our free online financial courses, you can expand your financial knowledge in no time. Topics include emergency savings, credit scores and reports, and more.
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1Fee Saver is only available on lines of credit that charge transaction fees. Please see your line of credit agreement to determine if Fee Saver is applicable to you.