| Rating | 4.3 | 4.0 | 4.5 |
| Loan Type | personal | installment | personal |
| APR Range | 18% - 36% | 59% - 160% | 7.8% - 35.99% |
| Loan Amount |
$1,500 - $20,000 |
$500 - $4,000 |
$1,000 - $50,000 |
| Term Length | 24 - 60 months | 9 - 18 months | 36 - 60 months |
| Pros | - 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
| - 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 fees (flat or percentage, varies by state)
- Higher minimum APR than online-only competitors
- Requires verification appointment for many applications
| - 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 (19 in some states)
- Photo ID and proof of residence
- Verifiable source of income
- In-person or virtual appointment for verification
| - 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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