| Rating | 4.2 | 4.2 | 4.1 |
| Loan Type | personal | payday | personal |
| APR Range | 9.95% - 35.99% | 60% - 1140% | 7.99% - 35.99% |
| Loan Amount |
$2,000 - $35,000 |
$100 - $3,500 |
$2,000 - $36,500 |
| Term Length | 24 - 60 months | 0 - 18 months | 24 - 72 months |
| Pros | - Fair-credit friendly (typical applicants have FICO 600-700)
- No prepayment penalty
- Mobile app for managing payments
- Fast funding (often next business day)
| - Fast funding (often next business day)
- Available in over 30 states
- Online application
| - Longer maximum term (up to 72 months)
- Same-day or next-day funding
- No prepayment penalty
- Soft credit pull for rate check
|
| Cons | - Administrative fee up to 4.75% deducted from loan
- Not available in CO, HI, IA, NY, VT, WV
- Higher rates than top-tier lenders for excellent credit
| - Very high APR
- Short repayment terms
- Not available in all states
| - Origination fee up to 10% in some states
- Not available in NV or WV
- Longer terms mean more interest paid over time
|
| Requirements | - At least 18 years old
- Valid Social Security number
- Verifiable income (typically $1,200/month minimum)
- Active checking account
| - At least 18 years old
- US citizen or permanent resident
- Active checking account
- Verifiable source of income
| - At least 18 years old
- Minimum FICO score around 600
- Verifiable annual income of $20,000+
- Active US bank account
|
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