American Express personal loans are a jawdroppingly good experience for a traditional financial product. Blended online and offline experience, *heavily* relies on your information on file with them, and done in like ~2 minutes at 7 AM on a Saturday with, I think, human review.
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I have seen these used for up to several million dollars in the past. They do scale, assuming you have some kind of relevant inventory or assets and know the correct person to call.
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They also offer a very solid high yield savings account
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I'd bet money that the spinner is designed to give the impression of human review. Realistically what value can a human add in 30s there? I remember hearing about tax software that added a fake "calculating" wait screen to give the impression that it was doing hard work.
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