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Rating Index
Pros
Offers competitive interest rates for credit card consolidation, with a maximum APR capped at 29.99%.
No extra fees besides origination; no late fees or prepayment penalties.
Funds are sent directly to creditors, simplifying the debt repayment process for users.
Cons
Minimum credit score requirement of 640 excludes borrowers with fair or bad credit.
Longer funding timeline of three to six business days, which is slower than many competitors.
Limited to credit card debt consolidation, restricting the use of loan funds for other purposes.
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