{ "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", "sources": [ { "source_id": "PL-SRC-PROSPER-PRODUCT-20260905", "publisher": "Prosper Funding LLC", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.prosper.com/personal-loans", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Product facts and footnote 3; $2,000-$50,000, APR and fee ranges, terms, representative examples, Q1 2026 three-year funded APR, and WebBank lender disclosure", "supports": [ "shelf_terms", "entity_crosswalk", "funded_evidence" ], "rights_note": "Link and short attributed extraction only; no page republication approved", "quality_status": "verified" }, { "source_id": "PL-SRC-PROSPER-PROSPECTUS-20260430", "publisher": "Prosper Funding LLC", "title": "Prospectus dated April 30, 2026", "source_type": "sec_filing", "url": "https://www.prosper.com/Downloads/Legal/Prosper_Prospectus_2026-04-30.pdf", "published_date": "2026-04-30", "effective_date": "2026-04-30", "checked_date": "2026-09-05", "source_locator": "Pages 81 and 88-89; aggregate originations, borrower rate and APR by Prosper Rating, rate ranges, fee treatment, and WebBank relationship", "supports": [ "entity_crosswalk", "funded_evidence", "fee_treatment" ], "rights_note": "Public filing; cite the filing and page locator", "quality_status": "verified" }, { "source_id": "PL-SRC-PROSPER-Q1-2026", "publisher": "Prosper Marketplace, Inc. and Prosper Funding LLC", "title": "Quarterly report for the period ended March 31, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/1416265/000141626526000027/prosper-20260331.htm", "published_date": "2026-05-14", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Personal Loan Originations section; lines 2045-2101 in SEC HTML extraction", "supports": [ "funded_evidence", "entity_crosswalk" ], "rights_note": "Public SEC filing; cite direct filing and section", "quality_status": "verified" }, { "source_id": "PL-SRC-OPORTUN-PRODUCT-20260905", "publisher": "Oportun, Inc.", "title": "Personal loans that put you in control", "source_type": "official_product_page", "url": "https://oportun.com/personal-loans/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Personal loans information; lender information and product terms near page footer", "supports": [ "shelf_terms", "entity_crosswalk", "fee_treatment" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-OPORTUN-Q2-2026", "publisher": "Oportun Financial Corporation", "title": "Quarterly report for the period ended June 30, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/1538716/000153871626000067/oprt-20260630.htm", "published_date": "2026-08-06", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Credit Products and bank partnership sections; SEC HTML lines 968-974 and 1127-1133", "supports": [ "funded_evidence", "entity_crosswalk", "product_scope" ], "rights_note": "Public SEC filing; cite direct filing and section", "quality_status": "verified" }, { "source_id": "PL-SRC-UPSTART-PRODUCT-20260905", "publisher": "Upstart Network, Inc.", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.upstart.com/personal-loans", "published_date": null, "effective_date": "2026-06-30", "checked_date": "2026-09-05", "source_locator": "Product disclosure footnotes; APR based on June 2026 rates, amount and term ranges, representative example, state minimums, and unsecured-product warning", "supports": [ "shelf_terms", "fee_example", "entity_crosswalk" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-UPSTART-TERMS-20260817", "publisher": "Upstart Network, Inc.", "title": "Upstart Terms and Conditions", "source_type": "official_terms", "url": "https://www.upstart.com/loan_platform_agreement", "published_date": "2026-08-17", "effective_date": "2026-08-17", "checked_date": "2026-09-05", "source_locator": "Section 6, Fees", "supports": [ "fee_treatment", "entity_crosswalk" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-UPSTART-Q2-2026", "publisher": "Upstart Holdings, Inc.", "title": "Quarterly report for the period ended June 30, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/1647639/000164763926000063/upst-20260630.htm", "published_date": "2026-08-05", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Overview and Key Operating Metrics; SEC HTML lines 2804-2913", "supports": [ "funded_evidence", "entity_crosswalk", "product_scope" ], "rights_note": "Public SEC filing; cite direct filing and section", "quality_status": "verified" }, { "source_id": "PL-SRC-HAPPEN-RATES-20260706", "publisher": "Happen Bank, N.A.", "title": "Personal Loans Rates & Fees", "source_type": "official_product_page", "url": "https://www.happen.com/personal-loan/rates-fees", "published_date": null, "effective_date": "2026-07-06", "checked_date": "2026-09-05", "source_locator": "Rates-and-fees disclosure and representative example; page also retains an April 27 disclosure with a different maximum APR", "supports": [ "shelf_terms", "entity_crosswalk", "fee_treatment" ], "rights_note": "Link and short attributed extraction only", "quality_status": "conflict_open" }, { "source_id": "PL-SRC-HAPPEN-REBRAND-20260622", "publisher": "Happen, Inc.", "title": "LendingClub Officially Becomes Happen Bank", "source_type": "official_investor_release", "url": "https://ir.happen.com/node/142056/pdf", "published_date": "2026-06-22", "effective_date": "2026-06-22", "checked_date": "2026-09-05", "source_locator": "Opening paragraphs describing Happen, Inc., Happen Bank, and the former LendingClub names", "supports": [ "entity_crosswalk", "brand_history" ], "rights_note": "Official release; cite direct PDF", "quality_status": "verified" }, { "source_id": "PL-SRC-HAPPEN-Q2-2026", "publisher": "Happen, Inc.", "title": "Quarterly report for the period ended June 30, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/1409970/000140997026000163/hapn-20260630.htm", "published_date": "2026-07-30", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Definitions and second-quarter financial highlights; loan originations include unsecured consumer, secured auto, and small-business loans", "supports": [ "funded_evidence", "entity_crosswalk", "product_scope" ], "rights_note": "Public SEC filing; cite direct filing and section", "quality_status": "verified" }, { "source_id": "PL-SRC-SOFI-PRODUCT-20260716", "publisher": "Social Finance, LLC and SoFi Bank, N.A.", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.sofi.com/personal-loans/", "published_date": null, "effective_date": "2026-07-16", "checked_date": "2026-09-05", "source_locator": "Personal-loan disclosure; APR, fee and amount ranges, creditor, and seven-year funded APR example", "supports": [ "shelf_terms", "entity_crosswalk", "funded_evidence" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-SOFI-RATES-20260905", "publisher": "Social Finance, LLC and SoFi Bank, N.A.", "title": "Compare Rates and Terms", "source_type": "official_product_page", "url": "https://www.sofi.com/personal-loans/personal-loan-rates/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "No-origination-fee payment examples by term, including seven-year APR range", "supports": [ "shelf_terms", "term_specific_apr" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-SOFI-Q2-2026", "publisher": "SoFi Technologies, Inc.", "title": "Second quarter 2026 earnings release filed with the SEC", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/a2026q2earningsrelease.htm", "published_date": "2026-07-29", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Lending — Originations and Average Balances table", "supports": [ "funded_evidence", "product_scope" ], "rights_note": "Public SEC filing; cite direct filing and table", "quality_status": "verified" }, { "source_id": "PL-SRC-ONEMAIN-PRODUCT-20260905", "publisher": "OneMain Financial", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.onemainfinancial.com/personal-loans", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Product disclosure; amount, APR, term, collateral, prequalification, and availability statements", "supports": [ "shelf_terms", "entity_crosswalk", "product_scope" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-ONEMAIN-FEES-20260905", "publisher": "OneMain Financial", "title": "Loan Fees", "source_type": "official_terms", "url": "https://www.onemainfinancial.com/legal/loan-fees", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "State fee schedule; $25-$500 flat origination fees or 1%-10% percentage fees", "supports": [ "shelf_terms", "fee_treatment", "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-ONEMAIN-FEE-ARTICLE-20260326", "publisher": "OneMain Financial", "title": "What is an origination fee on a personal loan?", "source_type": "official_product_page", "url": "https://www.onemainfinancial.com/personal-loans/resources/what-is-an-origination-fee-on-a-personal-loan", "published_date": "2026-03-26", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Explanation of a financed fee and statement that a fee could be as much as 12% of the total loan amount", "supports": [ "fee_treatment", "source_conflict" ], "rights_note": "Link and short attributed extraction only", "quality_status": "conflict_open" }, { "source_id": "PL-SRC-ONEMAIN-Q2-2026", "publisher": "OneMain Holdings, Inc.", "title": "Quarterly report for the period ended June 30, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/25598/000158420726000031/omf-20260630.htm", "published_date": "2026-07-24", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Our Products and Strategic Priorities; about 2.4 million personal loans, $21.3 billion net receivables, 56% secured by titled property, and stated nonprime focus", "supports": [ "funded_evidence", "entity_crosswalk", "credit_profile", "product_scope" ], "rights_note": "Public SEC filing; cite direct filing and section", "quality_status": "verified" }, { "source_id": "PL-SRC-UPGRADE-PRODUCT-20260905", "publisher": "Upgrade, Inc.", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.upgrade.com/personal-loans/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Consumer disclosure and FAQ; APR, fee, amount, term, fee deduction, hard-pull stage, direct-pay discount, and representative examples", "supports": [ "shelf_terms", "fee_treatment", "fee_example", "entity_crosswalk" ], "rights_note": "Link and short attributed extraction only", "quality_status": "conflict_open" }, { "source_id": "PL-SRC-UPGRADE-BANK-PARTNERS-20260905", "publisher": "Upgrade, Inc.", "title": "Upgrade Bank Partners", "source_type": "official_product_page", "url": "https://www.upgrade.com/bank-partners/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Current personal-loan bank partner listing identifies Cross River Bank", "supports": [ "entity_crosswalk" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-UPGRADE-INSTITUTIONS-20260905", "publisher": "Upgrade, Inc.", "title": "Bank Partnerships", "source_type": "official_investor_release", "url": "https://www.upgrade.com/institutions/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Personal-loan purchase program; weighted-average FICO about 731, weighted-average income $161,000, more than 80% debt consolidation, more than 60% homeowners, and below-660 channel note", "supports": [ "credit_profile", "funded_evidence", "funding_channel" ], "rights_note": "Link and short attributed extraction only; figures describe the financial-institution purchase program", "quality_status": "verified" }, { "source_id": "PL-SRC-BESTEGG-PRODUCT-20260905", "publisher": "Best Egg", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.bestegg.com/personal-loans/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Consumer disclosure and FAQ; APR, fee, amount, term, fee deduction, soft inquiry, hard-inquiry stage, and prepayment rule", "supports": [ "shelf_terms", "fee_treatment", "entity_crosswalk", "source_conflict" ], "rights_note": "Link and short attributed extraction only", "quality_status": "conflict_open" }, { "source_id": "PL-SRC-BESTEGG-FEES-20260213", "publisher": "Best Egg", "title": "What costs will I pay if I take this loan?", "source_type": "official_terms", "url": "https://support.bestegg.com/hc/en-us/articles/115002658871-What-costs-will-I-pay-if-I-take-this-loan", "published_date": "2026-02-13", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "APR floor, unsecured fee range, four-year fee minimum, deducted and financed fee examples, and creditor footer", "supports": [ "shelf_terms", "fee_treatment", "entity_crosswalk" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-BESTEGG-KBRA-20260212", "publisher": "Kroll Bond Rating Agency, LLC", "title": "KBRA Affirms and Upgrades Ratings from Marlette Funding Trusts", "source_type": "other_primary", "url": "https://www.kbra.com/publications/RSTkfWKs/kbra-affirms-and-upgrades-ratings-from-marlette-funding-trusts?format=web", "published_date": "2026-02-12", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Platform and pool description; typical Prime borrower average income about $130,000 and average FICO 725", "supports": [ "credit_profile", "funded_evidence", "entity_crosswalk" ], "rights_note": "Public ratings release; cite direct release and separate the securitized population from the full shelf", "quality_status": "verified" }, { "source_id": "PL-SRC-AVANT-PRODUCT-20260905", "publisher": "Avant, LLC", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.avant.com/personal-loans", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Consumer disclosure; APR, amount, term, administration fee, fee deduction, representative example, and WebBank creditor", "supports": [ "shelf_terms", "fee_treatment", "fee_example", "entity_crosswalk" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-AVANT-CREDIT-20260127", "publisher": "Avant, LLC", "title": "What is the typical credit score of an Avant customer?", "source_type": "official_product_page", "url": "https://support.avant.com/article/14-avant-credit-quality", "published_date": "2026-01-27", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Most customers receiving loans have a credit score from 600 to 700", "supports": [ "credit_profile", "funded_evidence" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-AVANT-KBRA-20260605", "publisher": "Kroll Bond Rating Agency, LLC", "title": "KBRA Assigns Preliminary Ratings to Avant Loans Funding Trust 2026-REV1", "source_type": "other_primary", "url": "https://www.kbra.com/publications/wzbkKyXn/kbra-assigns-preliminary-ratings-to-avant-loans-funding-trust-2026-rev1?format=web", "published_date": "2026-06-05", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "$200 million transaction and platform description; typical unsecured borrower FICO 550-720 and primarily nonprime focus", "supports": [ "credit_profile", "funded_evidence", "product_scope" ], "rights_note": "Public ratings release; cite direct release and keep pool selection limits visible", "quality_status": "verified" }, { "source_id": "PL-SRC-LENDINGPOINT-PRODUCT-20260905", "publisher": "LendingPoint LLC", "title": "Online Loans", "source_type": "official_product_page", "url": "https://www.lendingpoint.com/personal-loans/online-loans/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "DTC disclosure; APR, amount, term, fee, fee-treatment options, state minimums, representative example, and creditor list", "supports": [ "shelf_terms", "fee_treatment", "fee_example", "entity_crosswalk", "source_conflict" ], "rights_note": "Link and short attributed extraction only", "quality_status": "conflict_open" }, { "source_id": "PL-SRC-LENDINGPOINT-ABOUT-20260905", "publisher": "LendingPoint LLC", "title": "About Us", "source_type": "official_product_page", "url": "https://www.lendingpoint.com/about/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Company history states a fair-credit focus and use of information beyond a FICO-based model", "supports": [ "credit_profile" ], "rights_note": "Link and short attributed extraction only; stated positioning, not a funded-borrower distribution", "quality_status": "verified" }, { "source_id": "PL-SRC-LENDINGPOINT-PRESSKIT-20260905", "publisher": "LendingPoint LLC", "title": "Press Kit", "source_type": "official_investor_release", "url": "https://www.lendingpoint.com/about/press-kit/", "published_date": null, "effective_date": "2026-06-30", "checked_date": "2026-09-05", "source_locator": "Company-reported cumulative originations through Q2 2026 and product description", "supports": [ "funded_evidence", "entity_crosswalk" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-LENDINGPOINT-KBRA-20260515", "publisher": "Kroll Bond Rating Agency, LLC", "title": "KBRA Downgrades and Affirms Ratings for LendingPoint Asset Securitization Trusts", "source_type": "other_primary", "url": "https://www.kbra.com/publications/RtSXdLXG/kbra-downgrades-and-affirms-ratings-for-lendingpoint-asset-securitization-trusts", "published_date": "2026-05-15", "effective_date": "2026-04-30", "checked_date": "2026-09-05", "source_locator": "Six DTC securitization transactions backed by unsecured consumer loans; performance and product-scope discussion", "supports": [ "funded_evidence", "entity_crosswalk", "product_scope" ], "rights_note": "Public ratings release; cite direct release and preserve pool-selection and vintage limits", "quality_status": "verified" }, { "source_id": "PL-SRC-DISCOVER-PRODUCT-20260824", "publisher": "Discover, a division of Capital One, N.A.", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.discover.com/personal-loans/", "published_date": null, "effective_date": "2026-08-24", "checked_date": "2026-09-05", "source_locator": "Current product comparison, calculator, FAQ, and disclosures; APR, amount, term, no-fee rule, direct pay, eligibility, and soft inquiry", "supports": [ "shelf_terms", "fee_treatment", "entity_crosswalk", "eligibility" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-DISCOVER-TERMS-20260905", "publisher": "Discover, a division of Capital One, N.A.", "title": "Terms and Conditions", "source_type": "official_terms", "url": "https://www.discover.com/personal-loans/terms-and-conditions/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Creditor identity and personal-loan terms", "supports": [ "entity_crosswalk", "shelf_terms" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-DISCOVER-DEBT-20260905", "publisher": "Discover, a division of Capital One, N.A.", "title": "Debt Consolidation Loans", "source_type": "official_product_page", "url": "https://www.discover.com/personal-loans/debt-consolidation/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Credit-orientation language and consolidation-product limitations", "supports": [ "credit_profile", "product_scope" ], "rights_note": "Link and short attributed extraction only; suitability language is not a funded-borrower distribution", "quality_status": "verified" }, { "source_id": "PL-SRC-CAPITALONE-2025-10K", "publisher": "Capital One Financial Corporation", "title": "Annual report for the year ended December 31, 2025", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm", "published_date": "2026-02-19", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Domestic personal-loan held-for-investment refreshed FICO distribution; 94% above 660, 3% at 621-660, and 3% at or below 620", "supports": [ "credit_profile", "funded_evidence", "entity_crosswalk" ], "rights_note": "Public SEC filing; cite direct filing and distinguish the portfolio from current Discover originations", "quality_status": "verified" }, { "source_id": "PL-SRC-OPORTUN-2024-ANNUAL", "publisher": "Oportun Financial Corporation", "title": "2024 Annual Report", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/1538716/000119312525129577/d869078dars.pdf", "published_date": "2025-06-12", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Member and underwriting descriptions; many members have limited or no credit history and the model uses alternative data", "supports": [ "credit_profile" ], "rights_note": "Public SEC filing; cite direct filing and page locator before release", "quality_status": "verified" }, { "source_id": "PL-SRC-HAPPEN-Q2-2026-RELEASE", "publisher": "Happen, Inc.", "title": "Second quarter 2026 earnings release", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/1409970/000140997026000159/q226exhibit991er.htm", "published_date": "2026-07-30", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Management description of the target personal-loan customer as high-FICO and high-income", "supports": [ "credit_profile" ], "rights_note": "Public SEC filing; stated target is not an observed funded-borrower average", "quality_status": "verified" }, { "source_id": "PL-SRC-SOFI-Q1-2026", "publisher": "SoFi Technologies, Inc.", "title": "Quarterly report for the period ended March 31, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/1818874/000181887426000037/sofi-20260331.htm", "published_date": "2026-05-06", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Personal-loan weighted-average origination FICO of 745", "supports": [ "credit_profile", "funded_evidence" ], "rights_note": "Public SEC filing; cite direct filing and table", "quality_status": "verified" }, { "source_id": "PL-SRC-BARCLAYS-Q2-2026", "publisher": "Barclays PLC", "title": "Interim results announcement for the six months ended June 30, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/312069/000031206926000201/bcs-20260630_d2.htm", "published_date": "2026-07-29", "effective_date": "2026-05-01", "checked_date": "2026-09-05", "source_locator": "Acquisition disclosure; Barclays completed the Best Egg acquisition on May 1, 2026", "supports": [ "entity_crosswalk", "brand_history" ], "rights_note": "Public SEC filing; cite direct filing and acquisition section", "quality_status": "verified" }, { "source_id": "PL-SRC-WELLSFARGO-PRODUCT-20260905", "publisher": "Wells Fargo Bank, N.A.", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.wellsfargo.com/personal-loans/", "published_date": null, "effective_date": "2026-07-10", "checked_date": "2026-09-05", "source_locator": "Product page and footnotes; APR, amount, exact terms, fees, inquiry stages, relationship eligibility, representative example, approval subset, and funding timing", "supports": [ "shelf_terms", "entity_crosswalk", "credit_profile", "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-WELLSFARGO-Q2-2026", "publisher": "Wells Fargo & Company", "title": "Quarterly report for the period ended June 30, 2026", "source_type": "sec_filing", "url": "https://www.wellsfargo.com/assets/pdf/about/investor-relations/sec-filings/2026/second-quarter-10q.pdf", "published_date": "2026-07-28", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Note 3, Table 3.12, page 76; 2026-vintage term loans within Other consumer by updated FICO", "supports": [ "funded_evidence", "credit_profile" ], "rights_note": "Public filing; cite page and mixed-product limitation", "quality_status": "verified" }, { "source_id": "PL-SRC-USBANK-PRODUCT-20260905", "publisher": "U.S. Bank National Association", "title": "Personal Loan", "source_type": "official_product_page", "url": "https://www.usbank.com/loans-credit-lines/personal-loans-and-lines-of-credit/personal-loan.html", "published_date": null, "effective_date": "2026-08-31", "checked_date": "2026-09-05", "source_locator": "Product page and disclosure 1; APR, amount and relationship limits, terms, fees, inquiry stages, funding time, representative example, creditor, and state-availability warning", "supports": [ "shelf_terms", "entity_crosswalk", "credit_profile", "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-USBANCORP-Q2-2026", "publisher": "U.S. Bancorp", "title": "Quarterly report for the period ended June 30, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/36104/000003610426000044/usb-20260630.htm", "published_date": "2026-08-06", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Balance Sheet Analysis and Note 5; Other retail portfolio balance of $41.907 billion, which is not isolated to personal loans", "supports": [ "funded_evidence", "entity_crosswalk" ], "rights_note": "Public SEC filing; cite direct filing and mixed-product limitation", "quality_status": "verified" }, { "source_id": "PL-SRC-PNC-PRODUCT-20260905", "publisher": "PNC Bank, N.A.", "title": "Unsecured Personal Loan", "source_type": "official_product_page", "url": "https://www.pnc.com/en/personal-banking/borrowing/personal-loans/unsecured-personal-loan.html", "published_date": null, "effective_date": "2026-04-01", "checked_date": "2026-09-05", "source_locator": "Product facts and legal disclosure 1; fee, amount, term, APR ceiling, 27-jurisdiction availability list, four-state restriction warning, use restriction, representative example, and creditor", "supports": [ "shelf_terms", "entity_crosswalk", "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-PNC-Q2-2026", "publisher": "The PNC Financial Services Group, Inc.", "title": "Quarterly report for the period ended June 30, 2026", "source_type": "sec_filing", "url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026053170/pnc-20260630.htm", "published_date": "2026-08-05", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Note 3, Table 53; 2026-vintage term loans within Other consumer by updated FICO", "supports": [ "funded_evidence", "credit_profile" ], "rights_note": "Public SEC filing; cite direct filing and mixed-product limitation", "quality_status": "verified" }, { "source_id": "PL-SRC-CITI-PRODUCT-20260905", "publisher": "Citibank, N.A.", "title": "Citi Personal Loans", "source_type": "official_product_page", "url": "https://www.citi.com/personal-loans", "published_date": null, "effective_date": "2026-02-14", "checked_date": "2026-09-05", "source_locator": "Product FAQs and legal disclosures; APR, amount, relationship limits, terms, fees, inquiry stages, direct payoff, eligibility, representative example, default-rate change, and creditor", "supports": [ "shelf_terms", "entity_crosswalk", "credit_profile", "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-CITIGROUP-Q1-2026", "publisher": "Citigroup Inc.", "title": "Quarterly report for the period ended March 31, 2026", "source_type": "sec_filing", "url": "https://www.citigroup.com/rcs/citigpa/storage/public/citigroup-inc-1q-2026-10Q.pdf", "published_date": "2026-05-07", "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Allowance for Credit Losses table, page 58; $3.8 billion of North America personal installment loans at period end", "supports": [ "funded_evidence", "entity_crosswalk" ], "rights_note": "Public filing; cite page and active-portfolio limitation", "quality_status": "verified" }, { "source_id": "PL-SRC-ALLIANT-PRODUCT-20260905", "publisher": "Alliant Credit Union", "title": "Personal Loans", "source_type": "official_product_page", "url": "https://www.alliantcreditunion.org/borrow/get-a-credit-union-personal-loan", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Product features, rate table, FAQs, and footnotes 56 and 75; amount, exact term options, term-specific APR floors, fees, membership tenure, discounts, and representative example", "supports": [ "shelf_terms", "entity_crosswalk", "credit_profile", "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-PENFED-PRODUCT-20260905", "publisher": "Pentagon Federal Credit Union", "title": "Personal Loans: Rates & Pre-Approval", "source_type": "official_product_page", "url": "https://www.penfed.org/personal-loans", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Product page, FAQs, and disclosures; amount ceiling, term ceiling, fees, inquiry stages, membership creation, automatic-payment discount, and missing dynamic rate fields", "supports": [ "shelf_terms", "entity_crosswalk", "credit_profile", "state_variation" ], "rights_note": "Link and short attributed extraction only; blank dynamic APR and example fields are recorded as missing", "quality_status": "verified" }, { "source_id": "PL-SRC-NCUA-Q1-2026-CALLREPORT", "publisher": "National Credit Union Administration", "title": "March 2026 Call Report Quarterly Data", "source_type": "regulator", "url": "https://ncua.gov/files/publications/analysis/call-report-data-2026-03.zip", "published_date": "2026-05-26", "effective_date": "2026-03-31", "checked_date": "2026-09-05", "source_locator": "FOICU and FS220/FS220A/FS220B; charters 67955 and 227; accounts 522, 397, and 994 for All Other Unsecured Loans/Lines of Credit weighted rate, balance, and count", "supports": [ "funded_evidence", "entity_crosswalk" ], "rights_note": "Public regulator dataset; cite archive, charter, table, and account codes", "quality_status": "verified" }, { "source_id": "PL-SRC-PENFED-2025-ANNUAL", "publisher": "Pentagon Federal Credit Union", "title": "2025 Annual Report", "source_type": "official_investor_release", "url": "https://www.penfed.org/content/dam/penfed/en/general/pdf/PenFed-annual-report-2025.pdf", "published_date": null, "effective_date": "2025-12-31", "checked_date": "2026-09-05", "source_locator": "Page 48, Note 5; Other Consumer term-loan balances by current FICO band and vintage", "supports": [ "funded_evidence", "credit_profile" ], "rights_note": "Official annual report; cite page and mixed Other Consumer limitation", "quality_status": "verified" }, { "source_id": "PL-SRC-PROSPER-AVAILABILITY-20251223", "publisher": "Prosper Funding LLC", "title": "Prosper Prospectus dated December 23, 2025", "source_type": "official_terms", "url": "https://www.prosper.com/Downloads/Legal/Prosper_Prospectus_2025-12-23.pdf", "published_date": "2025-12-23", "effective_date": "2025-12-23", "checked_date": "2026-09-05", "source_locator": "States in Which PFL and PMI Currently Operate, page 134; borrower marketplace available in all states except Iowa and West Virginia", "supports": [ "state_variation" ], "rights_note": "Official prospectus; cite direct PDF and page", "quality_status": "verified" }, { "source_id": "PL-SRC-HAPPEN-ELIGIBILITY-20260127", "publisher": "Happen Bank, N.A.", "title": "How do I qualify for a personal loan?", "source_type": "official_terms", "url": "https://www.happen.com/help/personal-loan-faq/how-do-i-qualify-for-a-personal-loan", "published_date": "2026-01-27", "effective_date": "2026-01-27", "checked_date": "2026-09-05", "source_locator": "Requirements; applications accepted from all U.S. states and Washington, D.C., but not U.S. territories; state and channel term warning", "supports": [ "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-SOFI-ELIGIBILITY-20251201", "publisher": "Social Finance, LLC and SoFi Bank, N.A.", "title": "Personal Loan Eligibility", "source_type": "official_terms", "url": "https://www.sofi.com/eligibility-criteria/", "published_date": null, "effective_date": "2025-12-01", "checked_date": "2026-09-05", "source_locator": "State eligibility and minimum amount; eligible-state requirement and unnamed state-specific amount and rate limits", "supports": [ "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-UPGRADE-STATE-AMOUNTS-20260905", "publisher": "Upgrade, Inc.", "title": "How much can I borrow with a personal loan through Upgrade?", "source_type": "official_terms", "url": "https://www.upgrade.com/help/personal-loan/personal-loan/personal-loan-how-much-can-i-borrow-with-a-personal-loan-through-upgrade/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "State requirements; minimum amount may exceed $1,000 and some offers may be unavailable in unnamed states", "supports": [ "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-ONEMAIN-LENDING-PROCESS-20260905", "publisher": "OneMain Financial", "title": "About our lending process", "source_type": "official_terms", "url": "https://www.onemainfinancial.com/legal/lending-process", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Basics; availability in 44 states, named exclusions, and warning that amount and fee rules vary by state", "supports": [ "state_variation" ], "rights_note": "Link and short attributed extraction only", "quality_status": "verified" }, { "source_id": "PL-SRC-ALLIANT-MEMBERSHIP-20260905", "publisher": "Alliant Credit Union", "title": "Alliant Credit Union", "source_type": "official_product_page", "url": "https://www.alliantcreditunion.org/", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Membership FAQ; everyone in the United States may apply to join", "supports": [ "state_variation" ], "rights_note": "Link and short attributed extraction only; membership access does not prove personal-loan availability in every state", "quality_status": "verified" }, { "source_id": "PL-SRC-PENFED-MEMBERSHIP-20260905", "publisher": "Pentagon Federal Credit Union", "title": "Member Benefits", "source_type": "official_product_page", "url": "https://www.penfed.org/member-benefits", "published_date": null, "effective_date": null, "checked_date": "2026-09-05", "source_locator": "Membership and personal-loan application disclosures; everyone may apply and guest membership is created during the application", "supports": [ "state_variation" ], "rights_note": "Link and short attributed extraction only; membership access does not prove personal-loan availability in every state", "quality_status": "verified" } ] }