Checkmate Research, page-36

Speckle has a APR of 34% (10% establishment fee and 2% per month on loan amount).

WW has an APR of 47.8% and no establishement fees.

WW is cheaper in the short term due to no establishment fee, however after that the higher APR kicks in

Nimble and other standard SACC lenders charge 20% upfront and 4% per month on loan amount. That's a 68% APR and much higher on short term loans bevause the establishment fee acts to push up the effective APR much higher than the 68% cap.

WW is under the 48% MAINSTREAM lending cap. That is a critical difference regardless of it marketing of consumers in the SACC segment.