To ensure I don't run into strife, I blocked their names out,...

To ensure I don't run into strife, I blocked their names out, one is a major player, one is comparable to Wisr the other got the deal.

Be interested in the last column that is the application and originaton costs added onto the loan of $50k, that becomes the consumers loan amount. They pay an additional $2.5k back compared to loan 1 over 3 years. Much more over 5.

Consumer lending isn't so much about rate as it is fees and total repayment. Wisr have a bunch of loans that will start and keep maturing at an accelerated rate. Their growth will have to continue at an accelerating rate just to stand still financially. But by the ridiculous opex cost they have their growth will need to stay exponential to stop their losses accelerating.

If you are going to be a one trick pony, you need to be the best performer of that trick to be successful, that isn't evident.