Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Active bank account with regular income deposits · No credit check required · US resident
US citizen or permanent resident · Enrolled at eligible school · Creditworthy cosigner may be required
Homeowner with equity in property · Credit union membership required · Good credit history
Minimum credit score 680 · US citizen or permanent resident · Employed or have regular income
FICO score 660+ · Business at least 1 year old · Average monthly revenue $3,000+
Dave Checking account · Active bank account with income history · No credit check
US citizen or permanent resident · Bachelor degree from eligible institution · Minimum credit score required
Homeowner with sufficient equity · US resident (not available in NY, HI, UT) · Property appraisal required
Minimum credit score 600 · US citizen or permanent resident · Verifiable income
US citizen or permanent resident · Employed or have an offer starting within 90 days · Bachelor degree or higher from eligible school
Minimum credit score 620 · US property owner · Proof of income and employment
Minimum credit score 580 · US citizen or permanent resident · Verifiable income
