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%.
Learn more about how Rate Reducer and Fee Saver work.
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.
Why should I be a part of Upswing?
Do you want a line of credit that recognizes your repayments with better rates and other perks? With on-time repayments on an Upswing line of credit, 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 reduced draw fees.
See how Joan can get her APR down to 149%
Initial Draw
249% APR
10% Draw Fee
Joan 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 reduced her APR by 10% and her draw fee to 5% of the amount drawn. That means it costs less for her to borrow from her line of credit.
149%
Eventually, Joan's on-time payments can reduce her APR by a full 100 percentage points.
Want to get started?
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We’re here to help you in the here and now. But what about the now and then?
CashNetUSA customers get special access to discount coupons, financial education courses and a financial assistance tool. These free benefits can help you save on bills, build your budgeting skills and get employment assistance, among much, much more. Plus, you can access all of these even without taking out a loan with us.
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