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      "text": "A Cheaper, Better Product for Non-Prime; Average Loan Amount ~ $1,500; Average Term ~ 11 Months",
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      "text": "Simple interest, amortizing installment loans with no balloon payments; No origination fees; No late fees; No NSF fees; No prepayment penalties; Report to the 3 major credit bureaus; Work compassionately with customers who require payment plan modification",
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      "text": "1. Credit Karma; 2. CFPB; 3. FTC and CFPB; 4. FTC; 5. Lend Academy",
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      "text": "Credit Access Product – the OppLoan",
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