ModFi Competitors

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org

LendingClub Bank — soon to be Happen Bank — is a digital bank built for the Motivated Middle: high-FICO, above average income, digitally savvy consumers actively managing their financial lives. Our difference? We make it easy for them to access award-winning products that help them keep more of what they earn and earn more on what they save. Our products are aligned by design to reward our five million members when they take positive financial steps like saving regularly or making loan payments on time. Our success is fueled by our unmatched credit underwriting, a proprietary technology platform engineered for innovation, and a marketplace bank model that drives durable value for members, loan investors, and shareholders alike. The result is affordable credit, meaningful value, and a trusted banking relationship — delivered consistently and profitably at scale. As we look to our next chapter, we’re choosing a name that reflects why we exist: to clear the way for our members to make it happen.

Founded in 2005, Prosper introduced U.S. consumers to an innovative new approach to personal finance called peer-to-peer lending. Almost 20 years later, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of products. Prosper’s flagship personal loan marketplace continues to offer a unique value for borrowers and investors alike. Home equity loans and lines of credit through Prosper provide homeowners a range of options and choices for tapping into the equity they’ve worked hard to build. The Prosper® Card supports people seeking access to credit and flexibility in managing their finances. Regardless of the product, Prosper is dedicated to meeting people where they are in their financial journey, in order to advance their financial well-being. Learn more at www.prosper.com. All personal loans made by WebBank. The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International. All home equity products are underwritten and issued by Prosper’s Lending Partners. Please see your agreement for details. Prosper Marketplace, Inc. NMLS# 111473 Licensing & Disclosures | NMLS Consumer Access Prosper Funding LLC 221 Main Street, Suite 300 | San Francisco, CA 94105 © 2005-2024 Prosper Funding LLC. All rights reserved. Prosper's borrower payment dependent notes (“Notes”) are offered pursuant to Prosper’s Prospectus (https://prosper.com/prospectus/)