| Rating | 4.2 | 4.1 | 4.0 |
| Loan Type | payday | personal | installment |
| APR Range | 60% - 1140% | 7.99% - 35.99% | 59% - 160% |
| Loan Amount |
$100 - $3,500 |
$2,000 - $36,500 |
$500 - $4,000 |
| Term Length | 0 - 18 months | 24 - 72 months | 9 - 18 months |
| Pros | - 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
| - Lower APRs than typical payday lenders
- Installment structure (predictable monthly payments)
- Reports to credit bureaus (helps build credit history)
- No prepayment penalty
|
| Cons | - 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
| - APRs still very high vs traditional personal loans
- Available in 38 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 source of income
| - At least 18 years old
- Minimum FICO score around 600
- Verifiable annual income of $20,000+
- Active US bank account
| - At least 18 years old
- US citizen or permanent resident
- Active checking account
- Verifiable income (recurring direct deposit preferred)
|
| Review Apply | Review Apply | Review Apply |