Real rates from banks and fintechs. Compared side by side, no affiliate bias.
APR
7.74–35.99%
Amount
$1k–$50k
Minimum credit score 580
US citizen or permanent resident
Verifiable income
APR
—
Amount
$50–$250
Active bank account with regular income deposits
No credit check required
US resident
APR
2.99–16.38%
Amount
$1k–$200k
APR
—
Amount
$2k–$250k
FICO score 660+
Business at least 1 year old
Average monthly revenue $3,000+
APR
5.99–7.5%
Amount
$10k–$500k
No specific requirements listed
APR
4.14–17.99%
Amount
$500–$100k
PenFed membership (open to all)
US resident
Aged 18+
APR
8.99–35.99%
Amount
$2k–$50k
APR
36.0–199.0%
Amount
$50–$3k
active_bank_account
regular_income
18_years_or_older
APR
7.74–35.49%
Amount
$5k–$100k
Minimum credit score 680
US citizen or permanent resident
Employed or have regular income
APR
—
Amount
$25–$500
Dave Checking account
Active bank account with income history
No credit check
APR
4.15–14.9%
Amount
$5k–$500k
APR
6.5–8.0%
Amount
$50k–$2M
APR
5.09–18.74%
Amount
$5k–$150k
US military member, veteran, or family
USAA membership required
Valid US SSN
APR
7.49–22.44%
Amount
$5k–$50k
APR
100.0–200.0%
Amount
$50–$1.5k
Active bank account
Government-issued ID
Proof of income
APR
5.96–35.99%
Amount
$1k–$40k
Minimum credit score 600
US citizen or permanent resident
Verifiable income
APR
2.74–17.99%
Amount
≤$1k
APR
6.875–7.148%
APR
5.49–17.99%
Amount
$4k–$100k
US resident
Aged 18+
Good credit history
APR
8.99–18.0%
Amount
$250–$50k
No specific requirements listed
