{ "schema_version": 1, "dataset_version": "personal-loan-funded-cost@2026-09-05.collection.3", "status": "internal-pilot-not-for-publication", "checked_date": "2026-09-05", "protocol_version": "0.4", "records": [ { "record_id": "PL-SHELF-PROSPER-20260905", "brand_name": "Prosper", "product_name": "Personal loans through Prosper", "provider_role": "marketplace", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 8.99, "advertised_apr_max": 35.99, "apr_conditions": "Fixed-rate APR; eligibility dependent; lowest rates reserved for the most creditworthy applicants", "origination_fee_min": 1, "origination_fee_max": 9.99, "fee_name": "origination fee", "fee_treatment": "deducted", "loan_amount_min": 2000, "loan_amount_max": 50000, "term_months": [ 24, 36, 48, 60, 72 ], "term_months_min": 24, "term_months_max": 72, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": null, "direct_pay_available": null, "geography": "United States; eligibility and state-specific availability require full-census collection", "representative_example": { "face_amount": 10000, "term_months": 36, "note_rate": 17.29, "fee_rate": 8.99, "fee_dollars": 899, "apr": 24.19, "net_proceeds": 9101, "payment_count": 36, "payment_amount": 357.97 }, "source_ids": [ "PL-SRC-PROSPER-PRODUCT-20260905", "PL-SRC-PROSPER-PROSPECTUS-20260430" ], "missing_fields": [ "hard_pull_stage", "direct_pay_available", "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "The APR and fee ranges do not describe one person's offer." ], "quality_status": "verified_pilot" }, { "record_id": "PL-SHELF-OPORTUN-20260905", "brand_name": "Oportun", "product_name": "Oportun unsecured personal loan", "provider_role": "mixed", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": null, "advertised_apr_max": null, "apr_conditions": "National page publishes a 35.95% APR example but not a national APR range; terms vary by applicant, creditor and state", "origination_fee_min": null, "origination_fee_max": 10, "fee_name": "administrative fee", "fee_treatment": "deducted", "loan_amount_min": 300, "loan_amount_max": 10000, "term_months": null, "term_months_min": 12, "term_months_max": 54, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "Full application for final approval", "direct_pay_available": null, "geography": "Oportun Inc. in New Mexico and Wisconsin; Pathward, N.A. and/or Column N.A. in 39 other named operating states on the checked page", "representative_example": { "face_amount": 3333, "term_months": 30, "note_rate": null, "fee_rate": 10, "fee_dollars": 333, "apr": 35.95, "net_proceeds": 3000, "payment_count": 65, "payment_amount": 70, "payment_frequency": "biweekly" }, "source_ids": [ "PL-SRC-OPORTUN-PRODUCT-20260905", "PL-SRC-OPORTUN-Q2-2026" ], "missing_fields": [ "advertised_apr_min", "advertised_apr_max", "origination_fee_min", "exact_term_options", "direct_pay_available" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "The national consumer page does not publish a national APR range.", "Column and Pathward amount limits differ." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-UPSTART-20260905", "brand_name": "Upstart", "product_name": "Unsecured personal loans through the Upstart marketplace", "provider_role": "marketplace", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 6.3, "advertised_apr_max": 35.99, "apr_conditions": "Fixed-rate range based on five-year rates offered in June 2026; full range varies by state", "origination_fee_min": null, "origination_fee_max": null, "fee_name": "origination fee", "fee_treatment": "deducted", "loan_amount_min": 1000, "loan_amount_max": 75000, "term_months": [ 36, 60 ], "term_months_min": 36, "term_months_max": 60, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "After accepting a rate and proceeding with the application", "direct_pay_available": null, "geography": "United States with state-specific minimums and possible maximum differences; GA $3,100, HI $1,500, MA $7,000 minimums disclosed", "representative_example": { "face_amount": 10000, "term_months": 60, "note_rate": 19.08, "fee_rate": 8.15, "fee_dollars": 815, "apr": 23.37, "net_proceeds": 9185, "payment_count": 60, "payment_amount": 261 }, "source_ids": [ "PL-SRC-UPSTART-PRODUCT-20260905", "PL-SRC-UPSTART-TERMS-20260817" ], "missing_fields": [ "origination_fee_min", "origination_fee_max", "actual_creditor_before_offer", "direct_pay_available" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "Upstart is not the lender.", "The public page warns that some lending partners may offer a secured variant; this record covers only the unsecured example.", "The 8.15% fee is a representative example, not a published fee range." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-HAPPEN-20260905", "brand_name": "Happen Bank", "product_name": "Happen Bank Personal Loan", "provider_role": "direct_lender", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 5.96, "advertised_apr_max": 35.96, "apr_conditions": "Latest dated disclosure on the checked page is valid as of July 6, 2026; price depends on credit, amount, term and other factors", "origination_fee_min": 0, "origination_fee_max": 8, "fee_name": "origination/processing fee", "fee_treatment": "deducted", "loan_amount_min": 1000, "loan_amount_max": 75000, "term_months": null, "term_months_min": 24, "term_months_max": 84, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "If and when a loan is issued", "direct_pay_available": true, "geography": "United States with state and channel limits not yet fully collected", "representative_example": { "face_amount": 15262, "term_months": 36, "note_rate": 13.99, "fee_rate": 6, "fee_dollars": 916, "apr": 18.4, "net_proceeds": 14346, "payment_count": 36, "payment_amount": 522 }, "source_ids": [ "PL-SRC-HAPPEN-RATES-20260706", "PL-SRC-HAPPEN-REBRAND-20260622" ], "missing_fields": [ "exact_term_options", "full_state_matrix" ], "conflict_status": "open", "conflict_note": "The rates page contains a 35.99% maximum in an April 27, 2026 disclosure and a 35.96% maximum in its later July 6, 2026 disclosure. The pilot records 35.96% as the later dated value and preserves the conflict.", "limitations": [ "The LendingClub consumer brand changed to Happen Bank on June 22, 2026.", "Some terms may differ by product, channel or platform." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-SOFI-20260905", "brand_name": "SoFi", "product_name": "SoFi Personal Loan", "provider_role": "direct_lender", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 6.99, "advertised_apr_max": 35.49, "apr_conditions": "Fixed-rate range with 0.25% autopay and 0.25% member discounts; current page disclosure dated July 16, 2026", "origination_fee_min": 0, "origination_fee_max": 7, "fee_name": "origination fee", "fee_treatment": "deducted", "loan_amount_min": 5000, "loan_amount_max": 100000, "term_months": [ 24, 36, 48, 60, 72, 84 ], "term_months_min": 24, "term_months_max": 84, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "If the consumer proceeds with an application", "direct_pay_available": true, "geography": "United States subject to eligibility and state restrictions", "representative_example": null, "source_ids": [ "PL-SRC-SOFI-PRODUCT-20260716", "PL-SRC-SOFI-RATES-20260905" ], "missing_fields": [ "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "The 6.99% floor includes two conditional discounts.", "SoFi offers no-fee term options but also discloses optional origination fees up to 7%.", "Some consumers may receive a participating-bank offer outside the listed range." ], "quality_status": "verified_pilot" }, { "record_id": "PL-SHELF-ONEMAIN-20260905", "brand_name": "OneMain Financial", "product_name": "OneMain Financial Personal Loan — unsecured variant", "provider_role": "direct_lender", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 11.99, "advertised_apr_max": 35.99, "apr_conditions": "Published national range spans secured and unsecured offers; the public page does not isolate an unsecured-only range", "origination_fee_min": 1, "origination_fee_max": 10, "origination_fee_flat_min": 25, "origination_fee_flat_max": 500, "fee_name": "origination fee", "fee_treatment": "variable", "loan_amount_min": 1500, "loan_amount_max": 30000, "term_months": null, "term_months_min": 24, "term_months_max": 60, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": null, "direct_pay_available": null, "geography": "Not available in Alaska, Arkansas, Connecticut, District of Columbia, Massachusetts, Rhode Island, Vermont, or U.S. territories; amount and fee rules vary by state", "representative_example": null, "source_ids": [ "PL-SRC-ONEMAIN-PRODUCT-20260905", "PL-SRC-ONEMAIN-FEES-20260905", "PL-SRC-ONEMAIN-FEE-ARTICLE-20260326" ], "missing_fields": [ "unsecured_only_apr_range", "exact_term_options", "hard_pull_stage", "direct_pay_available", "fee_treatment_by_state" ], "conflict_status": "open", "conflict_note": "The fee schedule publishes either a $25-$500 flat fee or a 1%-10% percentage fee by state, while an official explanatory article says a financed origination fee may be as high as 12%. The structured range retains the controlling fee-schedule values and flags the article for review.", "limitations": [ "The published amount, APR, and term ranges cover both secured and unsecured offers.", "Larger loan amounts may require a first-priority lien on a motor vehicle and therefore fall outside this study's unsecured product boundary.", "Percentage-fee cash-delivery scenarios do not model states that use a flat fee." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-UPGRADE-20260905", "brand_name": "Upgrade", "product_name": "Personal loans through Upgrade — unsecured variant", "provider_role": "marketplace", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 7.74, "advertised_apr_max": 35.99, "apr_conditions": "Lowest rates require autopay and direct payment of part of existing debt; some applicants may also see secured offers, which are outside this record", "origination_fee_min": 1.85, "origination_fee_max": 9.99, "fee_name": "origination fee", "fee_treatment": "deducted", "loan_amount_min": 1000, "loan_amount_max": 50000, "term_months": null, "term_months_min": 24, "term_months_max": 84, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "When the personal loan is funded", "direct_pay_available": true, "geography": "United States subject to state, creditor, and offer limits", "representative_example": { "face_amount": 10000, "term_months": 36, "note_rate": 13.94, "fee_rate": 5, "fee_dollars": 500, "apr": 17.59, "net_proceeds": 9500, "payment_count": 36, "payment_amount": 341.48, "total_payments": 12293.46 }, "source_ids": [ "PL-SRC-UPGRADE-PRODUCT-20260905", "PL-SRC-UPGRADE-BANK-PARTNERS-20260905" ], "missing_fields": [ "exact_term_options", "full_state_matrix" ], "conflict_status": "open", "conflict_note": "The same checked product page contains a narrative example at 17.98% APR and a footer disclosure example at 17.59% APR. This record preserves the footer disclosure example and treats the difference as unresolved.", "limitations": [ "Upgrade is a financial technology company, not the creditor.", "Secured alternatives may be presented through the same application flow and are excluded here." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-BESTEGG-20260905", "brand_name": "Best Egg", "product_name": "Best Egg unsecured personal loan", "provider_role": "marketplace", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 6.99, "advertised_apr_max": 35.99, "apr_conditions": "Fixed APR; the lowest rate is reserved for qualified applicants, and loan term affects APR", "origination_fee_min": 0.99, "origination_fee_max": 9.99, "fee_name": "origination fee", "fee_treatment": "variable", "loan_amount_min": 2000, "loan_amount_max": 50000, "term_months": [ 36, 60 ], "term_months_min": 36, "term_months_max": 60, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "After an approved applicant accepts an offer", "direct_pay_available": null, "geography": "Not available in Iowa, Vermont, West Virginia, District of Columbia, or U.S. territories; minimum amounts vary in Massachusetts, Ohio, and Georgia", "representative_example": null, "source_ids": [ "PL-SRC-BESTEGG-PRODUCT-20260905", "PL-SRC-BESTEGG-FEES-20260213" ], "missing_fields": [ "direct_pay_available", "full_state_matrix" ], "conflict_status": "open", "conflict_note": "The visible product disclosure and help article state a 6.99% APR floor, while embedded calculator code on the product page contains 5.99%. The visible consumer disclosure controls. The help article describes both deducted and financed fee treatments, while the product disclosure says the fee is deducted.", "limitations": [ "For a term of four years or longer, the origination fee is at least 4.99%.", "A separate home-secured product is excluded.", "Cash-delivery scenarios apply only when the fee is deducted from proceeds." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-AVANT-20260905", "brand_name": "Avant", "product_name": "Avant unsecured personal loan", "provider_role": "marketplace", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 9.95, "advertised_apr_max": 35.99, "apr_conditions": "Actual terms depend on credit determination, state law, and other factors", "origination_fee_min": null, "origination_fee_max": 9.99, "fee_name": "administration fee", "fee_treatment": "deducted", "loan_amount_min": 2000, "loan_amount_max": 35000, "term_months": null, "term_months_min": 24, "term_months_max": 60, "prepayment_penalty": null, "soft_pull_to_check_rate": true, "hard_pull_stage": null, "direct_pay_available": null, "geography": "United States subject to state eligibility and state-specific minimum loan amounts", "representative_example": { "face_amount": 5700, "term_months": 36, "note_rate": null, "fee_rate": 9.99, "fee_dollars": 569.43, "apr": 29.95, "net_proceeds": 5130.57, "payment_count": 36, "payment_amount": 217.66 }, "source_ids": [ "PL-SRC-AVANT-PRODUCT-20260905" ], "missing_fields": [ "origination_fee_min", "prepayment_penalty", "hard_pull_stage", "direct_pay_available", "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "Avant, LLC is not the creditor; the checked page identifies WebBank as issuer.", "The minimum administration fee reported by a ratings source is not imported into the consumer shelf range." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-LENDINGPOINT-20260905", "brand_name": "LendingPoint", "product_name": "LendingPoint direct-to-consumer personal loan", "provider_role": "mixed", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 7.99, "advertised_apr_max": 35.99, "apr_conditions": "Offer depends on LendingPoint's underwriting review, applicant information, state law, and creditor", "origination_fee_min": null, "origination_fee_max": 10, "fee_name": "origination or other fee", "fee_treatment": "variable", "loan_amount_min": 1000, "loan_amount_max": 36500, "term_months": null, "term_months_min": 24, "term_months_max": 72, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": null, "direct_pay_available": null, "geography": "United States subject to creditor and state limits; minimum amounts are $3,500 in Georgia, $3,001 in Colorado, and $2,000 in Hawaii on the controlling DTC disclosure", "representative_example": { "face_amount": 10000, "term_months": 48, "note_rate": null, "fee_rate": 10, "fee_dollars": 1000, "apr": 26.59, "net_proceeds": 10000, "payment_count": 48, "payment_amount": 340.52, "total_payments": 16345.12, "fee_treatment": "financed" }, "source_ids": [ "PL-SRC-LENDINGPOINT-PRODUCT-20260905" ], "missing_fields": [ "origination_fee_min", "hard_pull_stage", "direct_pay_available", "full_state_matrix" ], "conflict_status": "open", "conflict_note": "The DTC disclosure names FinWise Bank, Coastal Community Bank, or LendingPoint and sets a $2,000 Hawaii minimum. A second point-of-need disclosure on the same page names First Electronic Bank and sets a $1,500 Hawaii minimum. This record uses the DTC disclosure only.", "limitations": [ "The fee may be financed or, if the applicant chooses, deducted from proceeds.", "The representative example finances the fee and therefore does not lose cash at disbursement.", "The point-of-need product is excluded." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-DISCOVER-20260905", "brand_name": "Discover", "product_name": "Discover Personal Loan", "provider_role": "direct_lender", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 6.99, "advertised_apr_max": 24.99, "apr_conditions": "Fixed APR depends on creditworthiness, amount, and term; product-page calculator data is dated August 24, 2026", "origination_fee_min": 0, "origination_fee_max": 0, "fee_name": null, "fee_treatment": "none", "loan_amount_min": 2500, "loan_amount_max": 40000, "term_months": [ 36, 48, 60, 72, 84 ], "term_months_min": 36, "term_months_max": 84, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": null, "direct_pay_available": true, "geography": "United States subject to eligibility; minimum individual or household annual income is $25,000", "representative_example": null, "source_ids": [ "PL-SRC-DISCOVER-PRODUCT-20260824", "PL-SRC-DISCOVER-TERMS-20260905" ], "missing_fields": [ "hard_pull_stage", "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "Discover is now a division of Capital One.", "Direct payment cannot be used for Capital One or Discover credit cards, secured loans, or post-secondary education debt or expenses." ], "quality_status": "verified_pilot" }, { "record_id": "PL-SHELF-WELLSFARGO-20260905", "brand_name": "Wells Fargo", "product_name": "Wells Fargo Personal Loan", "provider_role": "direct_lender", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 6.74, "advertised_apr_max": 26.74, "apr_conditions": "Rates shown as of July 10, 2026; the floor assumes excellent credit, at least $10,000, a 36-month term, and a 0.25% relationship discount", "origination_fee_min": 0, "origination_fee_max": 0, "fee_name": null, "fee_treatment": "none", "loan_amount_min": 3000, "loan_amount_max": 100000, "term_months": [ 12, 24, 36, 48, 60, 72, 84 ], "term_months_min": 12, "term_months_max": 84, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "After selecting an option and submitting the application", "direct_pay_available": null, "geography": "Existing Wells Fargo customers with at least 12 months of relationship history; state-specific availability is not enumerated on the checked page", "representative_example": { "face_amount": 17000, "term_months": 48, "note_rate": null, "fee_rate": 0, "fee_dollars": 0, "apr": 13.99, "net_proceeds": 17000, "payment_count": 48, "payment_amount": 464 }, "source_ids": [ "PL-SRC-WELLSFARGO-PRODUCT-20260905", "PL-SRC-WELLSFARGO-Q2-2026" ], "missing_fields": [ "direct_pay_available", "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "Only existing Wells Fargo customers with at least 12 months of relationship history can apply.", "At least 10% of approved applicants for the stated lowest-rate terms qualified for that floor during April through June 2026; this is not the share of all applicants or all funded borrowers." ], "quality_status": "verified_pilot" }, { "record_id": "PL-SHELF-USBANK-20260905", "brand_name": "U.S. Bank", "product_name": "U.S. Bank Personal Loan", "provider_role": "direct_lender", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 7.24, "advertised_apr_max": 24.99, "apr_conditions": "Range dated August 31, 2026; the floor requires at least $10,000, a 12-to-36-month term, a score of at least 800, home-improvement use, and qualifying automatic payment", "origination_fee_min": 0, "origination_fee_max": 0, "fee_name": null, "fee_treatment": "none", "loan_amount_min": 1000, "loan_amount_max": 50000, "term_months": null, "term_months_min": 12, "term_months_max": 84, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "After selecting a rate and term and completing the application", "direct_pay_available": null, "geography": "Not all loan programs are available in all states; the checked page does not enumerate the state list", "representative_example": { "face_amount": 10000, "term_months": 36, "note_rate": null, "fee_rate": 0, "fee_dollars": 0, "apr": 12.6, "net_proceeds": 10000, "payment_count": 36, "payment_amount": 335.02 }, "source_ids": [ "PL-SRC-USBANK-PRODUCT-20260905", "PL-SRC-USBANCORP-Q2-2026" ], "missing_fields": [ "exact_term_options", "direct_pay_available", "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "Non-clients can borrow no more than $25,000 and no longer than 60 months.", "The lowest published rate is an eligibility condition, not evidence of the funded-borrower center.", "The page states that some state programs are unavailable but does not name them." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-PNC-20260905", "brand_name": "PNC", "product_name": "PNC Unsecured Personal Loan", "provider_role": "direct_lender", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": null, "advertised_apr_max": 27.19, "apr_conditions": "Terms dated April 1, 2026; the national page publishes a ceiling, while lower rates require a ZIP-code query and include a 0.25% automatic-payment discount", "origination_fee_min": 0, "origination_fee_max": 0, "fee_name": null, "fee_treatment": "none", "loan_amount_min": 1000, "loan_amount_max": 35000, "term_months": null, "term_months_min": 6, "term_months_max": 60, "prepayment_penalty": false, "soft_pull_to_check_rate": null, "hard_pull_stage": null, "direct_pay_available": null, "geography": "Available only in AL, AZ, CO, CT, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, WI, and WV; further restrictions apply in CT, MA, NY, and TN", "representative_example": { "face_amount": 1000, "term_months": 36, "note_rate": null, "fee_rate": 0, "fee_dollars": 0, "apr": 16.99, "net_proceeds": 1000, "payment_count": 36, "payment_amount": 35.65, "total_payments": 1283.32 }, "source_ids": [ "PL-SRC-PNC-PRODUCT-20260905", "PL-SRC-PNC-Q2-2026" ], "missing_fields": [ "advertised_apr_min", "exact_term_options", "soft_pull_to_check_rate", "hard_pull_stage", "direct_pay_available", "state_restriction_details" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "A ZIP-code tool is required to establish lower APRs.", "The public page does not explain the further restrictions in Connecticut, Massachusetts, New York, or Tennessee.", "Loan proceeds cannot be used for post-secondary education expenses or student-loan refinancing." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-CITI-20260905", "brand_name": "Citi", "product_name": "Citi Personal Loan", "provider_role": "direct_lender", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 9.99, "advertised_apr_max": 17.49, "apr_conditions": "Rates dated February 14, 2026; the floor assumes excellent credit, a 36- or 48-month term, and a 0.5% automatic-payment discount", "origination_fee_min": 0, "origination_fee_max": 0, "fee_name": null, "fee_treatment": "none", "loan_amount_min": 2000, "loan_amount_max": 50000, "term_months": null, "term_months_min": 12, "term_months_max": 60, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "After an offer is presented and the applicant proceeds", "direct_pay_available": true, "geography": "United States and Puerto Rico subject to eligibility; applicants must be at least 21 in Puerto Rico and at least 18 elsewhere; state-specific availability is not enumerated", "representative_example": { "face_amount": 10000, "term_months": 36, "note_rate": null, "fee_rate": 0, "fee_dollars": 0, "apr": 15.99, "net_proceeds": 10000, "payment_count": 36, "payment_amount": 351.52 }, "source_ids": [ "PL-SRC-CITI-PRODUCT-20260905", "PL-SRC-CITIGROUP-Q1-2026" ], "missing_fields": [ "exact_term_options", "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "New-to-Citi customers can borrow no more than $30,000; up to $50,000 is limited to eligible existing customers.", "The APR can increase by 2 percentage points after default.", "Citi does not issue payoff checks for Citi-affiliate cards, Checking Plus, or Ready Credit accounts." ], "quality_status": "verified_pilot" }, { "record_id": "PL-SHELF-ALLIANT-20260905", "brand_name": "Alliant Credit Union", "product_name": "Alliant Credit Union Personal Loan", "provider_role": "credit_union", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": 8.99, "advertised_apr_max": null, "apr_conditions": "Term-specific floors are 8.99% for 12 months, 9.99% for 24 months, 10.99% for 48 months, and 11.99% for 60 months; APR is 0.4 percentage points higher without automatic payment", "origination_fee_min": 0, "origination_fee_max": 0, "fee_name": null, "fee_treatment": "none", "loan_amount_min": 1000, "loan_amount_max": 100000, "term_months": [ 12, 24, 48, 60 ], "term_months_min": 12, "term_months_max": 60, "prepayment_penalty": false, "soft_pull_to_check_rate": null, "hard_pull_stage": null, "direct_pay_available": null, "geography": "Applicants must have been Alliant members for at least 90 days; state-specific availability is not enumerated on the checked page", "representative_example": { "face_amount": 1000, "term_months": 12, "note_rate": null, "fee_rate": 0, "fee_dollars": 0, "apr": 8.99, "net_proceeds": 1000, "payment_count": 12, "payment_amount": 87.45 }, "source_ids": [ "PL-SRC-ALLIANT-PRODUCT-20260905", "PL-SRC-NCUA-Q1-2026-CALLREPORT" ], "missing_fields": [ "advertised_apr_max", "soft_pull_to_check_rate", "hard_pull_stage", "direct_pay_available", "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "A member must wait at least 90 days before applying.", "Rates are 1 percentage point higher when refinancing an existing Alliant loan.", "The page publishes term-specific floors but no APR ceiling." ], "quality_status": "partial_pilot" }, { "record_id": "PL-SHELF-PENFED-20260905", "brand_name": "PenFed Credit Union", "product_name": "PenFed Personal Loan", "provider_role": "credit_union", "product_class": "unsecured closed-end personal installment loan", "advertised_apr_min": null, "advertised_apr_max": null, "apr_conditions": "The checked page says the rate depends on term, creditworthiness, credit history, and membership length and is 0.25 percentage points higher without automatic payment; the live APR range did not render in the public page output", "origination_fee_min": 0, "origination_fee_max": 0, "fee_name": null, "fee_treatment": "none", "loan_amount_min": null, "loan_amount_max": 50000, "term_months": null, "term_months_min": null, "term_months_max": 60, "prepayment_penalty": false, "soft_pull_to_check_rate": true, "hard_pull_stage": "After accepting an offer and initiating the loan application", "direct_pay_available": null, "geography": "A guest can apply and PenFed creates membership during the application; state-specific availability is not enumerated on the checked page", "representative_example": null, "source_ids": [ "PL-SRC-PENFED-PRODUCT-20260905", "PL-SRC-NCUA-Q1-2026-CALLREPORT", "PL-SRC-PENFED-2025-ANNUAL" ], "missing_fields": [ "advertised_apr_min", "advertised_apr_max", "loan_amount_min", "exact_term_options", "term_months_min", "direct_pay_available", "representative_example", "full_state_matrix" ], "conflict_status": "none", "conflict_note": null, "limitations": [ "The public page contained blank placeholders for the current APR range and payment example when checked.", "The published $50 minimum monthly payment can limit available amount-and-term combinations.", "Excellent credit is required for the lowest rate, but that does not establish the funded-borrower center." ], "quality_status": "partial_pilot" } ] }