Loan Comparison

		Featured
Feature	LendingPoint LendingPoint, LLC	OppLoans OppFi Inc.
Rating	4.1	4.0
Loan Type	personal	installment
APR Range	7.99% - 35.99%	59% - 160%
Loan Amount	$2,000 - $36,500	$500 - $4,000
Term Length	24 - 72 months	9 - 18 months
Pros	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty
Cons	Origination fee up to 10% in some states Not available in NV or WV Longer terms mean more interest paid over time	APRs still very high vs traditional personal loans Available in 38 states (check eligibility) Higher loan amounts come with longer commitments
Requirements	At least 18 years old Minimum FICO score around 600 Verifiable annual income of $20,000+ Active US bank account	At least 18 years old US citizen or permanent resident Active checking account Verifiable income (recurring direct deposit preferred)
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