
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
