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I logged into my EX account tonight and got a popup for a debt consolidation loan.
APR: 36-399%.
So I looked it up and "the average rise borrower has an interest rate of 135%".
It's just marketing, Rise probably offers Experian a nice commission, at those interest rates they should!
I checked for a laugh: For Arizona the APR is 99-149%, "based on credit". What kind of credit?, from really bad to really, really bad? I know a loan shark who gives better rates, but you end up with some really sore fingers if you're late . . .