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Est. APR 3.49-17.54% Loan amount $7,500-No max. Min. credit score 620
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PROS:
  • Offers pre-qualification with a soft credit check.
  • Customer service available seven days a week.
  • Borrowers can change their payment due date via the Carvana app.
  • Application process 100% online including document upload.
  • Minimum loan amount is lower than other lenders.
CONS:
  • Maximum APR possible is higher than many other lenders.
  • Only finances vehicles sold through Carvana.
  • Not available in Alaska or Hawaii.
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Monthly fee $15.00 Waived with $2,000 minimum balance
APY N/A
Bonus $300 Requirements to qualify
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Monthly Fee: $15.00 Waived with $2,000 minimum balance
APY: N/A
Min. Opening Deposit: 0
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PROS:
  • No minimum opening deposit.
  • Unlimited fee-free electronic transactions.
  • Integrated credit card processing.
  • Welcome bonus for new customers (terms apply).
CONS:
  • $15 monthly fee.
  • Monthly limit on fee-free cash deposits ($5,000) and physical transactions (20).
  • Fee for using out-of-network ATMs.
  • $34 fee for overdrafts, insufficient funds.
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Annual fee: $0

Rewards rate: 1.5%-6.5Cashback

Intro offer: $30

Recommended Credit Score: 690-850 (Good - Excellent)

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Free!
PROS:
  • No annual fee
  • Intro APR period
  • High rewards rate
  • No minimum redemption amount
CONS:
  • Requires good/excellent credit
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Annual fee: $0

Rewards rate:1%

Intro offer: $50

Recommended Credit Score: 690-850(Good - Excellent)

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PROS:
  • No annual fee
  • Earns rewards
  • New cardholder bonus offer
CONS:
  • No bonus categories
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Annual fee: $95

Rewards rate: 1x-5x Points

Intro offer: 60,000 Points

Recommended Credit Score: 690-850 (Good - Excellent)

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Free!
PROS:
  • New cardholder bonus offer
  • Bonus categories
  • Primary rental car coverage
  • Flexible rewards redemption
  • Transfer partners
CONS:
  • Has annual fee
  • Requires good/excellent credit
  • Complicated rewards
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Monthly fee $4.95

APY N/A

Bonus $100 Requirements to qualify
Free!
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Monthly fee $12.00 Waived with direct deposit or $1,500 minimum balance

APY N/A

Bonus $200 Requirements to qualify
Free!
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Annual fee: $0

Regular APR: N/A

Intro APR: N/A

Minimum deposit: N/A

Recommended Credit Score: 300-669 (Poor - Average)

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PROS:
  • No annual fee
  • No credit check
  • No APR
  • Adjustable credit limit
CONS:
  • Must open a Chime account
  • No rewards
  • No upgrade path
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APY 1.55% With $100 min.
balance for APY
Bonus $139 Requirements to qualify
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Annual fee $95
Rewards rate 1x-3x Miles
Intro offer 80,000 Miles
Recommended Credit Score: 690-850 (Excellent) See your approval odds
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Free!
PROS:
  • Bonus categories
  • Rewards don't expire
CONS:
  • Has annual fee
  • Requires good/excellent credit
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