How Contract Workers Are Using Fintech Platforms to Prove Income Without Pay Stubs
With 64 million U.S. independents locked out of traditional lending, fintech lenders now approve contract workers using 3 months of bank data and invoice history.
Category Fintech
Fintech Auto Refinancing: A Step-by-Step Guide for First-Time Borrowers
Rates from 5.99% to 21%+, no in-person visits, and approval in under 24 hours — here's how fintech auto refinancing works and when it's worth doing.
How Stay-at-Home Parents Are Using Fintech Platforms to Access Credit in Their Own Name
Fintech platforms now approve over 34% of non-employed applicants—stay-at-home parents included—by counting spousal transfers and household income as qualifying income.
AI Credit Scoring vs Traditional FICO: What Fintech Lenders Actually Use to Approve You
45 million Americans are credit-invisible or unscorable—and that's where AI credit scoring helps. See how fintech lenders layer it with FICO and who actually benefits.
Fintech Loans for Veterans: Beat Credit Cards by 10% Without VA Approval
Veterans can save 10+ percentage points versus credit cards with fintech personal loans from Upstart and SoFi, but lose Military Lending Act protections. Here's how to compare.
5 Fintech Borrowing Mistakes That Cost More Than a Bank Loan
Fintech loans hit 3.38% delinquency rates—nearly double the average. See the 5 mistakes that make them costlier than banks, and when speed is worth the premium.
How Gig Economy Workers With Irregular Paychecks Are Qualifying for Fintech Installment Loans
Gig workers can now qualify for installment loans with APRs starting at 5%—no credit check required. See which fintech lenders accept bank data and 1099 income instead of pay stubs.
Fintech Credit Builder Loans: Are They Worth It for Borrowers Starting From Zero?
Borrowers with no credit history gain an average of 60 points and build $253 in savings through fintech credit builder loans, with fees as low as $46 over 24 months.