Our 4 loan products

Find the loan that fits your moment

All four products share the same fair pricing philosophy: clear rates, no hidden fees, and every cost on screen before you accept. Compare them below and pick the one that matches how you need to borrow.

Person planning their finances at a kitchen table

Four products. One promise: every cost visible before you accept.

Mid-size

Installment Loan

$500–$5,000

3–24 month fixed terms · 7.99–29.99% APR

Our flagship product. Fixed monthly payment, no surprise fees, and every due date shown up front. Ideal for consolidation, unexpected bills, or planned purchases.

Representative example

$1,500 at 18.9% APR over 12 months = $137.85/month. Total interest $154.20. Total repayment $1,654.20.

What you get

Fixed monthly paymentsSame amount every month — plan around it easily

No prepayment penaltyPay it off early and save on interest — always allowed

3-bureau credit reportingEvery on-time payment helps build your credit score

Zero origination feeEvery dollar you borrow goes to you, not fees

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Small dollar

Emergency Cash

$200–$1,500

2–6 month terms · 18.99–35.99% APR

For when something breaks and can't wait — car repair, medical copay, urgent bill. Fast funding, short repayment window, transparent cost.

Representative example

$500 at 29.99% APR over 6 months = $88.10/month. Total interest $28.60. Total repayment $528.60.

What you get

Same-day funding availableApply before 11am ET on a business day for same-day ACH

Never trap you in debtAPR capped at 35.99% — far below payday lending's 300%+

Short repayment window2 to 6 months to keep total interest down

Reported to bureausEven a small emergency loan helps your credit if paid on time

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Revolving

Line of Credit

$200–$4,000

Revolving · 12.99–35.99% APR · Interest only on drawn amount

Approved once, borrow as needed. Ideal for irregular income (freelancers, gig workers) or households facing recurring but variable expenses.

Representative example

$800 drawn at 22.9% APR paid over 12 months = $75/month. You only pay interest on what you use.

What you get

Draw only what you needTake $100 today, $300 next week — access remains open

Interest only on drawn balanceAvailable credit costs you nothing until you use it

Repayment restores your credit linePay down $200, get $200 back to borrow again

Cheaper than payday loansAPR capped at 35.99% versus typical 391% payday APR

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Build credit

Credit-Builder

$300–$2,000

6–24 month terms · 5.99–14.99% APR · $9 one-time setup fee

A structured loan designed specifically to help you rebuild credit. The loan amount is held in a locked savings account and released to you at the end of the term.

Representative example

$1,000 at 9.99% APR over 12 months = $87.92/month. At the end you receive the $1,000 back, plus your credit report shows 12 on-time payments.

What you get

Designed to build creditAverage FICO gain of 32 points over 12 months of on-time payments

You get the money at the endLoan principal held in savings — released to you when term ends

Lowest APR in our lineup5.99–14.99% because we're not taking on default risk

No credit score requiredApproval based on income verification alone — start rebuilding from any score

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Not sure which fits you best?

Two-minute soft credit check shows every product you qualify for — with exact APR and monthly payment. No obligation, no impact to your credit score.

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