| Rating | 4.1 | 4.0 | 4.5 |
| Loan Type | personal | installment | personal |
| APR Range | 7.99% - 35.99% | 59% - 160% | 7.8% - 35.99% |
| Loan Amount |
$2,000 - $36,500 |
$500 - $4,000 |
$1,000 - $50,000 |
| Term Length | 24 - 72 months | 9 - 18 months | 36 - 60 months |
| Pros | - 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
| - 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 | - 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
| - 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
- 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)
| - 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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