Pros
Zero Fees Structure: No origination fees, late fees, or prepayment penalties on personal loans
Unemployment Protection: Offers loan forbearance and job placement assistance if members lose jobs
High Loan Limits: Maximum personal loan amount of $100,000 exceeds most competitors
Cons
Strict Requirements: Minimum credit score of 680 and higher income requirements than competitors
Limited Flexibility: No secured or co-signed loan options for personal loans
Funding Time: Can take up to 7 days for funds to be available