I looked up "personal loans" on the internet and after dealing with Prosper and Lending Club, I came across Lightstream from I think Credit Karma. AFter looking them up on the internet, the app was very similar to Prosper and I filled it out on Friday, it did a HP to all three CRA's, but I was approved for my asking loan of $20K ... at 2.29% the monthly was around $400+ for the next 3.5 years [42 months] .... they called to verify address, contact numbers and wanted to know if my high inquiries were due to Auto loan inquiries, and I said yes. App'd on Friday, Oct. 31 @ 10PM in the evening; approved Monday, 11/3; funding to occur in my checking account on Tuesday, 11/4 for the 2.29 % APR rate .... papers sent via online profile in their system and I signed electronically and gave them info on my checking account. Done deal; quick and painless.
Thanks for letting me share.
FICO8 Updated: 3/11/2016
Eq: 803, Ex: 774, TU: 797
FICO9 Updated: 2/15/2016
Eq: 814; Ex: 793; Tu: 809 ----- TOTAL CL: $204,500
