Pros
Fast Funding Speed: Offers next-day funding with automated approval decisions in seconds
Credit Flexibility: Accepts credit scores as low as 580
Payment Adaptability: Allows borrowers to change payment dates once per year after loan closure
Cons
High Fee Structure: Charges up to 10% origination fee with no option to waive it
Limited Loan Options: No co-signed, joint, or secured loans available for better rates
Reporting Limitations: Only reports to two of three major credit bureaus