Updated September 28, 2026 · BorrowCue Editorial Team
Acorn Finance vs CashXpress
Where Acorn Finance and CashXpress differ
| Compare |  Acorn Finance | CashXpress ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 6.99% | 0% to 726.35%Lower |
| Loan amount | $1,000 to $100,000 | ₱1,000 to ₱50,000 |
| Term | 24 to 240 months | 180 to 365 monthsHigher |
| Arrangement fee | 0% on loans over $40,000; some lenders charge 1-6% on loans under $40,000 | PHP 1,000 |
| Credit check | Soft prequal | None |
| Funding time | as soon as within one business day | Funds within 24 hours of approval |
| Representative example | $10,000 over 84 payments of $161 at 8.94% interest rate and $0 fees | 10,000 PHP for 182 days at 700% APR, total to repay 38,999 PHP |
| Lender type | Marketplace | Broker |
| Eligibility | US nationwide; minimum credit score around 560; funds for home improvement expenses; contractors must be licensed and in good standing | 21-70 years old, Filipino citizen living in the Philippines, employed or with stable income, active mobile number, active bank account or e-wallet, one valid government ID |
| Loan types | Personal, Credit line, Secured, Debt consolidationCovers more | Personal |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 1% to 6% | Not confirmed |
Same on both: Credit needed (Poor), Use cases (Home improvement).
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Key differences
- CashXpress scores higher overall: 9.1 vs 8.8.
- APR is lower at CashXpress: 0% to 726.35% vs 6.99%.
- Term is higher at CashXpress: 180 to 365 months vs 24 to 240 months.
- Loan types: only Acorn Finance offers Credit line, Secured, Debt consolidation.
Our verdict on each
Acorn Finance
Acorn Finance suits US borrowers funding a home improvement who want a fixed rate and cash released quickly. Its headline rate starts at 6.99%, the arrangement fee is waived on larger loans, and free early repayment means a project that finishes under budget costs less.
CashXpress
CashXpress suits employed Filipino adults with poor credit who need money quickly and face no credit check. Personal loans run PHP 1,000 to PHP 50,000 at an APR of 0% to 726.35%, funds arrive Funds within 24 hours of approval, and the headline cost is easy to underestimate once the origination fee is counted.
Score breakdown
| Area | Acorn Finance | CashXpress |
|---|---|---|
| Cost | 9.1Origination fees run 1% to 6% and the arrangement fee is waived only once a loan is large enough. | 9.9Higher |
| Offer | 9.3Higher | 9.1APR 0% to 726.35% plus an origination fee of PHP 1,000: quick payout, weak on cost. |
| Trust | 8.2 | 8.3Higher |
Ranges side by side
| Fact | Acorn Finance | CashXpress |
|---|---|---|
| Term | 24 to 240 months | 180 to 365 months |
Side by side, item by item
| Loan types | Acorn Finance | CashXpress |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Secured | Yes | No |
| Use cases | Acorn Finance | CashXpress |
|---|---|---|
| Home improvement | Yes | Yes |
Availability and regulation
| Country | Acorn Finance | CashXpress |
|---|---|---|
| Philippines | Not confirmed | Securities and Exchange Commission (Philippines) Certificate of Authority No. 1309 (SEC Registration No. CS201951088) |
| United States | Oregon Consumer Finance License 1817022 Arizona Consumer Lender License CL-1007809 Connecticut Small Loan Company License SLC-1817022 Illinois Residential Mortgage License MB.6761613 North Dakota Money Broker License MB103671 Rhode Island Loan Broker License 20224488LB Vermont Loan Solicitation License LSO-1817022 | Not confirmed |
Additional countries for Acorn Finance: 1. Additional countries for CashXpress: 1.
How they place
| Ranking | Acorn Finance | CashXpress |
|---|---|---|
| Personal loans | 866 of 1920 | 558 of 1920 |
| Loans for bad credit | 197 of 276 | 118 of 276 |
| Home improvement loans | 395 of 562 | 236 of 562 |
Every fact side by side
| Fact | Acorn Finance | CashXpress |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | Headway Sales Inc. DBA Acorn Finance | Cash-Express Philippines Financing Inc. |
| Headquarters | United States | Philippines |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Acorn Finance | CashXpress | Median |
|---|---|---|---|
| APR | 6.99%below the median | 0% to 726.35%lowest quarter | 8.99% |
| Term | 24 to 240 monthshighest quarter | 180 to 365 monthshighest quarter | 60 |
| Origination fee (%) | 1% to 6%above the median | Not confirmed | 0.25 |
Median across 1152 listed lenders.
Pros and cons
Acorn Finance
Pros
- Headline rates from 6.99% sit well below the 12% median across the site
- Free early repayment, so a project that comes in under budget costs less
- Checks are soft prequalification (soft prequal), so a first quote does not carry a full hard search
Cons
- Origination fees of 1% to 6% can add to the headline rate on smaller loans
- Loans are tied to home improvement, so money is released towards a home improvement project rather than freely
- Credit of poor is expected, so a minimum score still applies and some applicants are declined
CashXpress
Pros
- No credit check, and poor credit is accepted, so a bureau score does not block the application.
- Funds Funds within 24 hours of approval, which matters when the need is an emergency.
- Licensed by the Securities and Exchange Commission (Philippines), with a named legal entity behind the site.
Cons
- CashXpress charges 0% to 726.35%, while the site's personal loan APR median is 12.25%.
- An origination fee of PHP 1,000 is added on top of the interest.
- The book is personal loans only, so a home improvement project has no secured route to a cheaper rate.
Who each suits
Acorn Finance
Who it suits
- US borrowers planning a renovation who want predictable fixed payments
- Anyone who prefers a soft prequalification check before a full application
- Borrowers who expect to finish early and repay without penalty
Who should look elsewhere
- People needing money for something other than home improvement
- Anyone outside the US, since the licences it holds are all US state licences
- Borrowers who want a rate locked in before a hard credit check is run
CashXpress
Who it suits
- Filipino adults with poor credit who are turned away by a credit check elsewhere, and who need PHP 1,000 to PHP 50,000 rather than a cheque from a bank queue.
- Borrowers weighing a broker with no credit check against cheaper lenders such as Cashspace at PHP 12 to PHP 36.
- People paying for home improvement work who need cash in hand faster than a normal bank turnaround.
Who should look elsewhere
- Borrowers after the cheapest rate: Cashspace ES lists an APR of 0%, far below 0% to 726.35%.
- Anyone who can pass a credit check and wants to borrow more cheaply: Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% costs less to owe.
- Applicants planning a long repayment: terms of 180 to 365 months mean that many months of interest at 0% to 726.35%.
Current offers
CashXpress
Current offer
First period offer
Promo offer for New Customers (First Time Loan): 0% interest for the first 7 days
New customers, first time loan; then 1.99% per day for the rest of the loan duration; minimum term 180 days, maximum term 365 days
Source, checked September 26, 2026
Country by country
| Country | Acorn Finance | CashXpress |
|---|---|---|
| Philippines | No | Yes |
| United States | Yes | No |
Questions about each
Acorn Finance
What is the lowest rate Acorn Finance offers?+
The headline rate starts at 6.99%. What you are offered depends on your credit file and the partner lender, so the rate quoted after you apply may sit higher. The spread of rates across the site runs from 6.13% at the lower end to 24.92% at the upper end.
Are there fees on top of the interest rate?+
Origination fees of 1% to 6% can apply, and the arrangement fee is waived only once your loan is large enough, so a smaller loan may carry both. Repaying early costs nothing extra, because free early repayment is part of the deal.
CashXpress
How much does a CashXpress personal loan cost?+
The published representative example repays far more than it lends, so judge the offer on the total repay figure rather than the headline rate. Interest runs at 0% to 726.35%, and an origination fee of PHP 1,000 is charged on top, which makes a short loan expensive in absolute terms.
Does CashXpress run a credit check?+
There is no credit check, and applicants with poor credit are accepted. CashXpress works as a broker, so an application goes to lenders who set their own pricing, which is why the rate can land anywhere in the 0% to 726.35% range.
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