Ann: Successful Completion of $117 million Capital Raising, page-48

I just used APT at Super Cheap Auto. Easy seamless transaction. I noticed on their website they also have ZipPay available. ZipPay for purchases up to 1k with $40 monthly repayments and $6 monthly account fee on outstanding balances, also ZipMoney for purchases from 1k-8k with establishment fee up to $99, minimum $40 monthly repayments(depending on amount borrowed) and $6 monthly account fee.
While Zip appears to have a better revenue model it is subject to credit history while APT is not.
They both have incredible potential so I have covered my bases by investing in both