| Rating | 4.2 | 4.3 | 4.5 |
| Loan Type | payday | personal | personal |
| APR Range | 60% - 1140% | 18% - 36% | 7.8% - 35.99% |
| Loan Amount |
$100 - $3,500 |
$1,500 - $20,000 |
$1,000 - $50,000 |
| Term Length | 0 - 18 months | 24 - 60 months | 36 - 60 months |
| Pros | - Fast funding (often next business day)
- Available in over 30 states
- Online application
| - Secured loan option available (lower rates with collateral)
- 1,400+ physical branches for in-person support
- Approves borrowers with credit scores in the 600s
- Same-day funding in many cases
| - Lowest starting APR in our roundup
- Considers education and job history, not just credit score
- Same-day funding available in many states
- Borrowers with thin credit files often qualify
|
| Cons | - Very high APR
- Short repayment terms
- Not available in all states
| - Origination fees (flat or percentage, varies by state)
- Higher minimum APR than online-only competitors
- Requires verification appointment for many applications
| - Origination fees up to 12% — read the APR carefully
- Not available to residents of West Virginia or Iowa
- High maximum APR for higher-risk borrowers
|
| Requirements | - At least 18 years old
- US citizen or permanent resident
- Active checking account
- Verifiable source of income
| - At least 18 (19 in some states)
- Photo ID and proof of residence
- Verifiable source of income
- In-person or virtual appointment for verification
| - At least 18 (19 in some states)
- US citizen or permanent resident
- Valid bank account
- Verifiable income or job offer starting within 6 months
|
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