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Rating

4.4/5

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Pros

  • Credit Building Features: Offers free credit monitoring, score simulator, and educational resources

  • Flexible Approval: Considers applicants with credit scores as low as 580

  • Direct Creditor Payment: Will pay creditors directly for debt consolidation, ensuring proper fund use

Cons

  • Origination Fees: Charges 1.85% to 9.99% origination fee deducted from loan proceeds

  • Income Requirements: Requires minimum annual income of $45,000 for approval

  • Funding Delays: Can take up to 4 business days for funds to be available

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Upgrade

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Rating

4.4/5
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