Latest news with #creditunions
Finextra
5 days ago
- Business
- Finextra
Apiture introduces Fintech Connector
Apiture, a leading provider of digital banking solutions, today announced the launch of Fintech Connector, enabling fintech partners to rapidly integrate their solutions with the Apiture Digital Banking Platform, without the need for custom integrations. 0 In today's dynamic banking landscape, financial institutions are looking to harness fintech innovation to meet the evolving expectations of their account holders. With Fintech Connector, fintech partners can integrate directly with the Apiture Consumer Banking and Business Banking solutions, enabling Apiture clients to select and deploy new services that align with the needs of their account holders and their institution's strategy. Likewise, Fintech Connector empowers financial institutions to deploy features they have built in-house directly into the Apiture Digital Banking Platform. Fintechs taking advantage of Fintech Connector benefit from rapid deployment through a single integration point as well as exposure to hundreds of Apiture community bank and credit union clients. The first partner to integrate with the Apiture platform through Fintech Connector is InvestiFi, a digital investing provider that enables account holders to buy and sell investments directly from their checking accounts. The fintech eliminates the need to move money to external parties to invest, helping banks and credit unions keep deposits within their institutions. Apiture clients can now access InvestiFi directly from Fintech Connector. 'InvestiFi couldn't be more excited to be the first fintech integrated to Apiture through its new Fintech Connector program,' said InvestiFi CEO Kian Sarreshteh. 'With InvestiFi's patent pending Investing from Checking solution now integrated into Apiture's online and mobile banking solutions, Apiture's extensive ecosystem of banks and credit unions can drive new streams of non-interest income, deposit growth, and digital engagement. It's been inspiring watching our teams collaborate to get an innovative product to market, and we are thrilled to have Apiture as a strategic partner for InvestiFi.' 'At Apiture, we pride ourselves on our ability to quickly deliver meaningful innovation to our clients,' said Apiture Chief Operating Officer Chris Cox. 'Fintech Connector complements our ongoing development efforts, providing a new way for banks and credit unions to tailor the digital banking experience to meet the needs of their communities. We are excited to offer this integration option that benefits both fintechs and financial institutions alike.' Apiture's Fintech Connector is now live and open to new fintech partnerships.
Associated Press
03-06-2025
- Business
- Associated Press
Incent, MDT Partner to Provide Youth Digital Banking Solutions for Credit Unions
PORTLAND, Ore.--(BUSINESS WIRE)--Jun 3, 2025-- Incent, a leading provider of family and youth digital banking solutions for banks and credit unions and Credit Union Service Organization (CUSO), and MDT, a CUSO that helps credit unions navigate complex financial technology ecosystems, announced today a partnership to provide MDT clients a fully integrated, youth banking platform to more effectively engage and attract youth members by offering a secure, real-world digital banking experience for children and teens. The growing demographic disparity among credit unions further underscores the importance of engaging with Generation Z (ages 16 -18) and Generation Alpha (ages 6 – 15). In a recent survey conducted by CULytics, 80% of credit union leaders indicated that attracting younger members is 'extremely important.' However, in the same survey, less than 40% of respondents reported gaining 'real traction' with this segment. Incent, in partnership with MDT, is helping address this concern with its fully integrated, white-labeled solution that is designed specifically for younger members with interactive features, a seamless user interface and an intuitive design that is easy to navigate. Pete Major, Vice President, Fintech Solutions at MDT, said, 'At MDT, we are committed to providing our credit union clients with proven tools and services that support their business goals and help them remain institutions of choice. Engaging the next generation of members is a top priority for credit unions across the country. Incent's platform not only ensures credit unions remain relevant with Generation Z and Generation Alpha, but also has built in features to foster long-term relationships. We are proud to partner with Incent and to make this compelling offering available to our credit union community.' Together, MDT and Incent are providing credit unions a youth banking solution that builds responsible money management habits by offering a secure, real-world digital banking experience. The platform's robust suite of features are designed to teach financial literacy and encourage responsible money management through various modules including: Learn, Earn, Spend, Save, Give and Borrow. Marcell King, president and COO of Incent, said, 'MDT has a strong reputation and history of supporting the digital movement and ensuring credit unions of all sizes are equipped to not only succeed, but to thrive in today's increasingly competitive environment. This partnership is yet another example of that commitment and together, we are providing MDT's credit union clients with invaluable tools to educate and engage with younger generations, while also ensuring these members are equipped with the knowledge needed to make sound money decisions and to establish a solid financial foundation. Our platform is designed to engage the entire family, building trust and loyalty for not only today's members, but for future generations as well. We look forward to a long-standing partnership with MDT and to working with their member credit unions.' Incent's youth banking platform keeps deposits and interchange revenue within the credit union rather than diverting them to third-party fintech sponsor banks. Additionally, the platform helps credit unions grow their share of wallet by maintaining ownership of the relationship and seamlessly transitioning the child to an 'adult' account when the child turns 18. About Incent Incent is the leading provider of B2B youth banking services for U.S. banks and credit unions. Designed specifically for community financial institutions, Incent's youth digital banking solution provides the tools needed to teach kids responsible financial habits. The platform engages youth (ages 6–18) by combining financial education and gamification with hands-on real-life banking experiences focused on earning, saving, giving, spending and borrowing money. Incent seamlessly integrates with financial institutions' existing digital banking solutions, enabling banks and credit unions to engage younger customers while maintaining deposits within the institution. The parent or guardian retains full control of the account, ensuring a safe and educational digital banking experience. For additional information about Incent visit or connect with the company on LinkedIn. About MDT MDT helps credit unions navigate complex financial technology ecosystems, ensuring they remain institutions of choice for members. In addition to hosting the Symitar core processing system from Jack Henry™, MDT provides credit unions with the tools and technology needed to compete and grow. Committed to partnership, security, and compliance, MDT takes a collaborative approach to service—leveraging deep industry expertise to understand each institution's unique needs and foster long-term success. MDT supports over 100 credit unions with cloud-based solutions, expert consulting, and digital transformation strategies. With MDT, credit unions across the country can more effectively implement technology, boost efficiencies, and enhance member service. Visit or follow @memberdriven for more information. View source version on CONTACT: MEDIA CONTACTS: Anna Stanley/ Laura Lenz [email protected]/[email protected] 251.517.7857 / 678.781.7226 KEYWORD: UNITED STATES NORTH AMERICA OREGON INDUSTRY KEYWORD: BANKING SOFTWARE PROFESSIONAL SERVICES INTERNET FAMILY DATA MANAGEMENT CONSUMER TECHNOLOGY TEENS OTHER PROFESSIONAL SERVICES OTHER CONSUMER MILLENNIALS FINANCE SOURCE: Incent Copyright Business Wire 2025. PUB: 06/03/2025 02:30 PM/DISC: 06/03/2025 02:32 PM
Finextra
30-05-2025
- Business
- Finextra
Eltropy launches cloud-native business phone system for credit unions and community banks
Eltropy, the leading AI-powered Unified Conversations Platform for credit unions and community banks, today unveiled 'Eltropy Office Phone,' a cloud-native business phone system that integrates with AI-powered modern contact center systems such as Eltropy Voice+ to deliver an enterprise-wide Unified Telephony Experience. 0 This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. 'With Eltropy Office Phone, we're completing the final mile of telephony transformation for credit unions and community banks,' said Ashish Garg, Co-founder & CEO, Eltropy. 'For too long, institutions have been forced to juggle fragmented systems for internal and external communications. Now, with Unified Telephony, we're delivering one seamless, cloud-native telephony purpose-built to power every conversation across the institution, from the back office to the contact center.' Purpose-built for credit unions and community banks, Eltropy Office Phone offers secure, reliable, and scalable internal voice communications with smart features such as cloud-hosted PBX, support for both hardware phones & softphones, direct inward dialing (DID), extension dialing, quick outbound dialing, external dialing, personal voicemail with custom greetings, and much more. Credit unions and community banks can now consolidate outdated, siloed phone systems into One Unified Platform, lowering total cost of ownership (TCO) while strengthening security and simplifying operations. Whether a member calls the branch, interacts with an AI assistant, or connects with back-office staff, Eltropy ensures a consistent, context-rich experience with intelligent routing, fast resolution, and smooth collaboration across teams. 'Eltropy Office Phone is not just another business phone solution – it's the connective tissue that bridges the gap between teams in the back office with the contact center,' Ashish continued. 'Built on modern cloud architecture and deeply integrated with Eltropy Voice+, our Unified Telephony ensures calls are not missed, handoffs are seamless, and the entire institution speaks with one voice, backed by 99.95% uptime and industry-grade security.' This launch reinforces Eltropy's vision to ease access to financial capital for all, anytime, anywhere, with a powerful telephony technology system that unifies AI-driven self-service, front-line support, and internal collaboration into one seamless experience.
Associated Press
28-05-2025
- Business
- Associated Press
Nymbus Launches Levels: A Powerful Loyalty & Rewards Framework for Community Banks and Credit Unions
Nymbus Levels empowers financial institutions to drive engagement, build deeper relationships, and align customer behaviors with business goals JACKSONVILLE, Fla., May 28, 2025 /PRNewswire/ -- Nymbus, a full-stack banking platform for U.S. banks and credit unions, today announced the launch of Nymbus Levels: an enterprise-grade loyalty and rewards framework that empowers financial institutions to elevate their brand through bespoke loyalty experiences and dynamic pricing. Seventy percent of Americans cite loyalty programs as a top reason for staying with a brand. Nymbus Levels gives community banks and credit unions the tools to compete head-on with national institutions' sophisticated loyalty and reward programs, without the cost, complexity, or lengthy implementation timelines. 'Today's customers expect banking experiences that reflect who they are — their identities, values, and unique needs. Levels moves beyond traditional points-based systems to recognize the full spectrum of customer loyalty, delivering an experience that feels personal, purposeful, and future-ready,' said Jeffery Kendall, CEO and Chairman of Nymbus. Nymbus Levels is powered by a behavior tracking engine designed with campaign flexibility in mind. It enables always-on or time-bound campaigns that reward valuable financial behaviors by assigning monetary value to any type of customer interaction or transaction. Levels can also be easily activated in a backoffice-only mode, enabling businesses to immediately implement value-based pricing and marketing strategies without requiring any customer engagement. From digital adoption and debit card usage to direct deposit setup and balance growth, community banks and credit unions can tailor incentives to align with their most strategic business objectives. Unlike programs tied to single products or individual accounts, Nymbus Levels rewards customer engagement based on their total value, including deposits, loans, and activity, across the entire banking relationship. It features tier-based reward structures that allow financial institutions to incentivize top customers and members with exclusive perks, like waived fees or preferred rates. Customers and members can easily view their progress through a gamified dashboard, sparking greater motivation and long-term usage. Delivered as a fully managed Nymbus service, Levels includes a library of pre-built, field-tested campaign templates, achievement models, and rewards structures designed to drive adoption, increase deposits, and grow non-interest income. Users also gain access to advanced analytics and segmentation tools to continuously optimize performance, prove ROI, and re-engage customers based on the most impactful activities. 'Nymbus Levels is built on a secure, scalable platform that empowers rapid deployment and real-time personalization,' said Ed Gross, Chief Product Officer at Nymbus. 'By combining deep behavioral insights with our robust analytics engine, we're enabling financial institutions to transform their data into targeted actions that build stronger, more profitable relationships with their customers and members.' To learn more about Nymbus Levels and to request a demo, go to About Nymbus Nymbus delivers a cloud-based, highly extensible, full-stack banking platform, empowering community banks and credit unions to accelerate their growth and market positioning. Founded in 2015, Nymbus modernizes legacy core systems that support both brick-and-mortar operations and digital-first institutions, and facilitates the launch of vertical banking strategies or subsidiary brands with a sidecar Core alternative. The Nymbus Banking Platform solution delivers the technology, people, and processes to scale as your financial institution grows. For more information, visit View original content to download multimedia: SOURCE Nymbus
CNET
27-05-2025
- Business
- CNET
Best Home Equity Loan Lenders for 2025
A home equity loan lets homeowners borrow a lump sum against their property's value to pay for things like home improvements, debt consolidation or other large expenses. Unlike home equity lines of credit (HELOCs), home equity loans typically have fixed interest rates. That means your monthly payment will be the same over the term of your loan. Before committing to a home equity loan, create a repayment plan. When you take out a home equity loan or HELOC, your home serves as collateral, which means if you're unable to repay the debt, you risk losing your house. Home equity loans are available from a variety of lenders, including banks, credit unions and home equity loan companies. Just like when you took out your mortgage, it's important to compare loan offers from at least two or three different lenders before making a decision. Experts agree that comparison shopping is one of the best ways to get a lower interest rate. I spoke with experts and researched dozens of different lenders to create CNET's list of the best home equity loan lenders. Best home equity loan lenders for 2025 Lender APR Loan amount Loan terms Max LTV ratio U.S. Bank From 7.65% Not specified Up to 30 years Not specified TD Bank 7.99% (0.25% autopay discount included) From $10,000 5 to 30 years Not specified Connexus Credit Union From 7.31% From $5,000 5 to 15 years 90% KeyBank From 9.59% (0.25% autopay discount included) From $25,000 1 to 30 years 80% for standard home equity loans, 90% for high-value home equity loans Spring EQ Fill out application for personalized rates Up to $500,000 Not specified 90% Third Federal Savings & Loan From 6.99% $10,000 to $200,000 Up to 30 years 80% Frost Bank From 7.32% (0.25% autopay discount included) $2,000 to $500,000 15 to 20 years 90% Regions Bank From 6.75% to 14.125% $10,000 to $250,000 7, 10, 15, 20 or 30 years 89% Discover From 7% for first liens; From 8.55% for second liens $35,000 to $500,000 10, 15, 20 or 30 years 90% BMO Harris From 8.97% (0.5% autopay discount not included) From $25,000 5 to 20 years Not specified Note: The above APRs are current as of May 6, 2025. Your APR will depend on factors such as your credit score, income, loan term and whether you enroll in autopay or other lender-specific requirements. U.S. Bank Good for nationwide availability APR: From 7.65% U.S. Bank offers both home equity loans and HELOCs in 47 states (not including Texas, South Carolina and Delaware). You can borrow as little as $15,000 or up to $750,000 ($1 million for properties in California) depending on the available equity in your home. The bank offers a range of payback terms up to 30 years. We like U.S. Bank because of its extensive nationwide availability, many customer support options and price transparency — meaning you can get a personalized rate quote and fee information by filling out some basic information, no credit check required. Read CNET's review of U.S. Bank. TD Bank Good price transparency APR: From 7.99% (0.25% TD checking account discount included) TD Bank offers home equity loans and HELOCs in 15 states. Loan amounts for home equity loans start at $10,000. TD Bank offers payback terms ranging from five to 30 years. Although its nationwide availability is limited, TD Bank ranks high for its price transparency and wide variety of product offerings, including interest-only and rate-lock options on its HELOCs. The bank's good online user experience, price transparency and customer service options stand out to us. Read CNET's review of TD Bank. Connexus Credit Union Flexible credit union eligibility APR: From 7.31% Connexus Credit Union offers home equity loans and HELOCs in 46 states (excluding Alaska, Hawaii, Maryland and Texas). Loan amounts range from $5,000 to $200,000. Because Connexus is a credit union, its products and services are only available to its members. You can see the full membership eligibility requirements here. Connexus offers expansive nationwide availability and a few different product options, part of the reason this lender ranked highly for us. Its straightforward application process and relatively easy membership requirements is another bonus. Read CNET's review of Connexus Credit Union. KeyBank Good option for wide range of product offerings APR: From 9.59% (0.25% client discount included) KeyBank offers home equity loans to customers in 15 states and HELOCs to customers in 44 states. Aside from a standard HELOC, KeyBank also offers interest-only and rate-lock options. KeyBank's extensive product offerings stand out to us. The lender's streamlined application process for existing users is also useful. Both existing and new users will appreciate the online user experience and availability of customer service options from KeyBank. Read CNET's review of KeyBank. Spring EQ Good online application experience APR: N/A (Personalized rates available after preapproval) Spring EQ serves customers in 38 states, offering home equity loans and HELOCs with amounts ranging from $5,000 to $500,000. You can borrow up to 90% of your home's value, but you must have a minimum credit score of 640 and a debt-to-income, or DTI, ratio of 50% or less. It doesn't display rates online, but we rank Spring EQ highly because you don't need to undergo a hard credit check to see personalized rates. You can get prequalified for a loan with only basic information. Read CNET's review of Spring EQ. Third Federal Good for long repayment period APR: From 6.99% Third Federal Savings & Loan first opened in 1938. Today, the bank offers home equity loans in eight states and HELOCs in 26 states. Third Federal also offers a unique product not commonly found among other lenders: a 5/1 adjustable-rate home equity loan. Despite its limited nationwide availability for home equity loans, we like Third Federal for its rate match guarantee and its unique product offerings. Read CNET's review of Third Federal. Frost Bank Good option for Texas borrowers APR: From 7.32% (0.25% autopay discount included) Frost Bank, headquartered in San Antonio, Texas, offers products only to Texas residents. It offers home equity loans, HELOCs and interest-only HELOCs. Home equity loans are available with loan amounts of $2,000 and up, while HELOCs are available with line amounts of $8,000 and up. Although Frost Bank's nationwide availability is very limited, the bank has a helpful product selection tool, easy application process and good price transparency, making it a strong option for Texas borrowers. Read CNET's review of Frost Bank. Regions Bank Good for autopay discounts APR: From 6.75% (Regions client discount included) Regions Bank serves people across the South, Midwest and Texas, offering home equity loans and HELOCs in 15 states. Home equity loans have amounts of $10,000 to $250,000 and repayment periods of either seven, 10, 15 or 20 years. For home equity loans with Regions, there are no closing costs. Regions ranks highly because of its low fees, variety of application options and wide range of customer service options. However, Regions' nationwide availability is fairly limited. Read CNET's review of Regions Bank. Discover Good for no fees or closing costs APR: From 7% first liens, from 8% second liens Discover is known primarily for its credit cards, but it also offers home equity loans — available in 48 states. The lender doesn't offer HELOCs at all. For Discover home equity loans, amounts range from $35,000 to $300,000. We like that Discover has no fees or closing costs attached to its home equity loans. Discover's nationwide availability for its home equity loans and good price transparency also stood out to us. Read CNET's review of Discover. BMO Harris Good introductory APR APR: From 8.97% (0.5% autopay discount not included) BMO Harris products and services are available in 48 states (all but New York and Texas). BMO Harris offers home equity loans and three variations of a HELOC. Loan amounts for home equity loans start at $5,000 and repayment periods range from five to 20 years. You can borrow up to 89.99% of your home with most BMO Harris home equity loans. A 100% maximum CLTV — the ratio of all secured loans on a home to the value of home — option is available for low-to-moderate income borrowers or Low to Moderate Income Census Tract customers who need to make home improvements. We like that BMO Harris offers both home equity loans and three types of HELOCs almost nationwide. We found its online application less straightforward than its competitors. Read CNET's review of BMO Harris. How to find the best home equity loan lenders You don't need to get your home equity loan from the same mortgage lender you already have, although it may make sense to do so. Shopping for a different lender and comparing offers might help you secure a lower interest rate. Be sure to ask questions upfront to understand what rates and fees are associated with your home equity loan. Remember, the rate a lender advertises isn't always the rate you qualify for. Your exact interest rate will depend on multiple factors, including your DTI ratio, LTV ratio and loan amount. The lowest rates are generally reserved for borrowers with a good credit score and clean credit history. Also, make sure to look at the lender's APR, not just the interest rate. The APR includes fees, so it will be a more accurate figure of what you'll pay. A good lender will make you feel comfortable with the borrowing process and make sure you understand what upfront or ongoing fees apply to the loan. When comparing lenders, also consider how convenient the application process is, if there are any local branches available to you, the lender's customer support options and any available rate discounts. What is a home equity loan? A home equity loan offers you a one-time cash installment, which you'll pay back over a set period. A home equity loan is similar to taking out a personal loan, except this loan is secured by the value of your home ( specifically, the difference between what your home is worth and what you owe on your mortgage). If you default on payments for any reason, the lender could take your home as payment. The amount you can borrow with a home equity loan is determined by the amount of equity you have. Most lenders cap the amount you borrow to more than 85% of your home's equity, but that number will vary from lender to lender. Money from a home equity loan can be used for anything, ranging from home renovation projects to consolidating variable-rate debt. A home equity loan is best for borrowers with fixed costs and a defined goal for your money. Unlike a HELOC, a home equity loan typically has a fixed interest rate, so your monthly payment will be the same over the term of your loan. How to get a home equity loan Applying for a home equity loan is similar to applying for a mortgage. You'll first want to interview multiple lenders to determine which lender can offer the lowest rates and fees. The more companies you speak with, the better your chances of finding favorable terms. You'll also need equity in your home. Almost all lenders require you to have at least 15% to 20% equity in your home before being considered for a home equity loan. Lenders will then take into account your credit score, income and current debt-to-income ratio to determine your interest rate. Be prepared with financial documents, such as pay stubs, W-2s, proof of ownership and the appraised value of your home. Once you submit your application, the final step is closing on your loan. Requirements for a home equity loan Although it varies by lender, to qualify for a home equity loan you're typically required to meet the following criteria: Have at least 15% to 20% equity in your home: To know your home equity, i.e., the amount of home you own, subtract what you owe on your mortgage and other loans from the current appraised value of your house. Adequate, verifiable income and stable employment: Proof of income is a standard requirement to qualify for a home equity loan. Check your lender's website to see what forms and paperwork you need to submit. A minimum credit score of 620: Lenders use your credit score to determine the likelihood that you'll repay the loan on time. Having a stronger credit score will help you qualify for a lower interest rate and more amenable loan terms. A debt-to-income ratio of 43% or less: Divide your total monthly debts by your gross monthly income to get your DTI. Like your credit score, your DTI helps lenders determine your capacity to make consistent payments toward your loan. Some lenders prefer a DTI of 36% or less. Alternatives to home equity loans If a home equity loan isn't the right move for you, there are other financing options. HELOC A HELOC offers you a revolving line of credit against the equity you've built in your home. You can take out money as needed, up to your total line of credit, during your draw period (usually 10 years). Similar to a credit card, there's a limit on how much you can borrow at once. After your draw period ends, you'll enter your repayment period and make payments toward both the interest and principal (how much money you've borrowed) on your loan. The interest rates for a HELOC are usually variable, so rates will generally rise and fall along the prime rate. A HELOC is a good choice if you're unsure of how much money you need or if you want access to an ongoing source of cash over a period of months or years. Personal loan When you take out a personal loan, you receive a one-time cash infusion that you pay back over the life of the loan. Personal loans tend to have higher interest rates than home equity loans, but they're less risky because you don't put your home up as collateral. Cash-out refinance Unlike a home equity loan or HELOC, a cash-out refinance replaces your existing mortgage with a new home loan. Ideally, the new mortgage has a lower interest rate and more favorable terms. A cash-out refinance provides you with an upfront sum of cash that's then added back onto the balance of your new mortgage. The bottom line A home equity loan allows you to leverage your home's equity without disturbing your primary mortgage rate. Make sure to shop around and compare lenders to find the best rate and most amenable loan terms for your needs. In addition to interest rates, consider a lender's APR, rate discounts, application process and any costs or fees associated with the loan. FAQs Is it a good idea to borrow from your home's equity? Borrowing from your home's equity, whether through a home equity loan, HELOC or cash-out refinance, can be a good way to access large amounts of cash at relatively low interest rates compared with credit cards and personal loans. It's not without risks. Because your house acts as collateral for the loan, you could lose your home if you fall behind on payments. That's why it's important to only borrow what you can afford to pay off. Avoid borrowing against the equity of your home for nonessential expenses such as a vacation, wedding or luxury purchase. How much can you borrow with a home equity loan? Exact requirements vary by lender, but most home equity loan lenders limit your loan-to-value ratio to 85% or under. This means that the total value of the home equity loan you're seeking, plus the outstanding loan balance on your primary mortgage, can't exceed 85% of your home's appraised value. For example, if you have a house worth $300,000 and a $100,000 mortgage balance, the maximum amount you can borrow with a home equity loan would be $155,000 (assuming a maximum LTV of 85%). How much can you borrow with a home equity loan? When deciding whether to grant you a home equity loan, lenders look at multiple factors: your credit score and credit report, your debt-to-income ratio, your monthly income and how much equity you have in your home, among other things. Each lender also has its own unique underwriting requirements. In general, you'll want a credit score of at least 620 to have the best chance of getting a home equity loan. Keep in mind that your credit score can also affect the interest rate you get. The lowest advertised rates are usually reserved for borrowers with higher credit scores — usually 700 and above. Methodology We evaluated a range of lenders based on factors such as interest rates, APRs and fees, how long the draw and repayment periods are, and what types and variety of loans are offered. We also took into account factors that impact the user experience such as how easy it is to apply for a loan online and whether physical lender locations exist. Learn more about our methodology here.
