Financial terms like interest rates are for illustration purposes only. Actual terms may differ.

1-3 days

5 minutes

Time to get a credit decision

Required documents

None

ID, pay stubs

Initial APR

14%

14%

APR in 12 months

12%

14%

Length

As long as needed

24 months

Gauss

Revolving credit, no need to reapply

One bill for all cards

Monthly bill (assuming $5k balance)

$108

$240

Auto payoff new balances on the card

Keep using current cards / get card rewards

APR goes down over time

Credit limit goes up over time

Rewards for timely payoff

Improved credit score

Most likely

Unlikely

Origination fee

$0

$150+