{"id":5,"date":"2026-10-30T19:15:12","date_gmt":"2026-10-30T19:15:12","guid":{"rendered":"http:\/\/betterthanthebank.lab-media.dev\/index.php\/home\/"},"modified":"2026-10-30T19:50:25","modified_gmt":"2026-10-30T19:50:25","slug":"home","status":"publish","type":"page","link":"https:\/\/betterthanthebank.lab-media.dev\/","title":{"rendered":"Home"},"content":{"rendered":"\n<section class=\"wp-block-group hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group wrap is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group hero-copy is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Short-term credit, made simple<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Borrow <em>$250 to $1,500.<\/em> Pay it back over 90 to 180 days.<\/h1>\n\n\n\n<p class=\"hero-lede wp-block-paragraph\">Pick the amount you need, verify your bank account online and get an answer fast. No branch visit, no paperwork pile, no line-up at the bank.<\/p>\n\n\n\n<ul class=\"hero-points\">\n  <li><span class=\"tick\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8.5l3.2 3L13 4.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>Instant, secure bank verification<\/li>\n  <li><span class=\"tick\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8.5l3.2 3L13 4.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>Your costs shown before you sign<\/li>\n  <li><span class=\"tick\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8.5l3.2 3L13 4.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>Confidential, Law 25 compliant<\/li>\n<\/ul>\n<\/div>\n\n\n\n<form class=\"builder\" id=\"builder\" aria-label=\"Choose your loan amount\">\n  <div class=\"builder-top\">\n    <label class=\"builder-label\" for=\"amount-range\">I would like to borrow<\/label>\n    <span class=\"builder-chip\">Licensed broker<\/span>\n  <\/div>\n  <output class=\"amount\" id=\"amount-out\" for=\"amount-range\" aria-live=\"polite\"><span class=\"cur\">$<\/span><span id=\"amount-num\">750<\/span><\/output>\n  <input class=\"range\" type=\"range\" id=\"amount-range\" min=\"0\" max=\"5\" step=\"1\" value=\"2\" aria-valuetext=\"$750\">\n  <div class=\"ticks\" id=\"ticks\">\n    <button type=\"button\" data-i=\"0\">$250<\/button>\n    <button type=\"button\" data-i=\"1\">$500<\/button>\n    <button type=\"button\" data-i=\"2\">$750<\/button>\n    <button type=\"button\" data-i=\"3\">$1,000<\/button>\n    <button type=\"button\" data-i=\"4\">$1,250<\/button>\n    <button type=\"button\" data-i=\"5\">$1,500<\/button>\n  <\/div>\n  <dl class=\"builder-facts\">\n    <div><dt>Term<\/dt><dd>90\u2013180 days<\/dd><\/div>\n    <div><dt>APR<\/dt><dd>31.98%<\/dd><\/div>\n    <div><dt>Credit check<\/dt><dd>Bank verified<\/dd><\/div>\n  <\/dl>\n  <a class=\"btn btn-primary\" id=\"builder-cta\" href=\"#loans\" data-apply=\"\" data-amount=\"750\">Apply for $750 <span class=\"arrow\" aria-hidden=\"true\">\u2192<\/span><\/a>\n  <p class=\"builder-note\">Example: for a $300 loan over 90 days, the total payback before administrative fees is $316.00. Approval is subject to eligibility.<\/p>\n<\/form>\n<\/div>\n<\/section>\n\n\n\n<section class=\"section\" id=\"loans\" aria-labelledby=\"loans-title\">\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Loan amounts<\/span>\n      <h2 id=\"loans-title\">Six amounts. One simple application.<\/h2>\n      <p>Choose the amount that fits your situation. Every loan comes with the same clear terms, so there are no surprises later.<\/p>\n    <\/div>\n\n    <div class=\"tiles\" id=\"tiles\">\n            <article class=\"tile\" data-i=\"0\">\n        <div class=\"tile-head\"><span class=\"tile-name\">Bronze<\/span><span class=\"tile-flag\">Selected<\/span><\/div>\n        <div class=\"tile-amount\"><span class=\"cur\">$<\/span>250<\/div>\n        <div class=\"stack\" aria-hidden=\"true\">\n                      <i class=\"on\"><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                  <\/div>\n        <ul>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Biweekly \/ Semi-monthly \/ Monthly<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Number of payments: 6<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Secure and confidential<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Immediate response<\/li>\n        <\/ul>\n        <a class=\"btn btn-primary\" href=\"#loans\" data-apply=\"\" data-amount=\"300\" aria-label=\"Apply for the Bronze plan, $300\">Apply<\/a>\n      <\/article>\n            <article class=\"tile\" data-i=\"1\">\n        <div class=\"tile-head\"><span class=\"tile-name\">Silver<\/span><span class=\"tile-flag\">Selected<\/span><\/div>\n        <div class=\"tile-amount\"><span class=\"cur\">$<\/span>500<\/div>\n        <div class=\"stack\" aria-hidden=\"true\">\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                  <\/div>\n        <ul>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Biweekly \/ Semi-monthly \/ Monthly<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Number of payments: 7<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Secure and confidential<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Immediate response<\/li>\n        <\/ul>\n        <a class=\"btn btn-primary\" href=\"#loans\" data-apply=\"\" data-amount=\"500\" aria-label=\"Apply for the Silver plan, $500\">Apply<\/a>\n      <\/article>\n            <article class=\"tile is-selected\" data-i=\"2\">\n        <div class=\"tile-head\"><span class=\"tile-name\">Gold<\/span><span class=\"tile-flag\">Selected<\/span><\/div>\n        <div class=\"tile-amount\"><span class=\"cur\">$<\/span>750<\/div>\n        <div class=\"stack\" aria-hidden=\"true\">\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                  <\/div>\n        <ul>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Biweekly \/ Semi-monthly \/ Monthly<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Number of payments: 7<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Secure and confidential<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Immediate response<\/li>\n        <\/ul>\n        <a class=\"btn btn-primary\" href=\"#loans\" data-apply=\"\" data-amount=\"750\" aria-label=\"Apply for the Gold plan, $750\">Apply<\/a>\n      <\/article>\n            <article class=\"tile\" data-i=\"3\">\n        <div class=\"tile-head\"><span class=\"tile-name\">Platinum<\/span><span class=\"tile-flag\">Selected<\/span><\/div>\n        <div class=\"tile-amount\"><span class=\"cur\">$<\/span>1,000<\/div>\n        <div class=\"stack\" aria-hidden=\"true\">\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i><\/i>\n                      <i><\/i>\n                  <\/div>\n        <ul>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Biweekly \/ Semi-monthly \/ Monthly<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Number of payments: 8<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Secure and confidential<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Immediate response<\/li>\n        <\/ul>\n        <a class=\"btn btn-primary\" href=\"#loans\" data-apply=\"\" data-amount=\"1000\" aria-label=\"Apply for the Platinum plan, $1,000\">Apply<\/a>\n      <\/article>\n            <article class=\"tile\" data-i=\"4\">\n        <div class=\"tile-head\"><span class=\"tile-name\">Diamond<\/span><span class=\"tile-flag\">Selected<\/span><\/div>\n        <div class=\"tile-amount\"><span class=\"cur\">$<\/span>1,250<\/div>\n        <div class=\"stack\" aria-hidden=\"true\">\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i><\/i>\n                  <\/div>\n        <ul>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>2-week payment frequency<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Number of payments: 9<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Secure and confidential<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Immediate response<\/li>\n        <\/ul>\n        <a class=\"btn btn-primary\" href=\"#loans\" data-apply=\"\" data-amount=\"1250\" aria-label=\"Apply for the Diamond plan, $1,250\">Apply<\/a>\n      <\/article>\n            <article class=\"tile\" data-i=\"5\">\n        <div class=\"tile-head\"><span class=\"tile-name\">Elite<\/span><span class=\"tile-flag\">Selected<\/span><\/div>\n        <div class=\"tile-amount\"><span class=\"cur\">$<\/span>1,500<\/div>\n        <div class=\"stack\" aria-hidden=\"true\">\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                      <i class=\"on\"><\/i>\n                  <\/div>\n        <ul>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>2-week payment frequency<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Number of payments: 9<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Secure and confidential<\/li>\n          <li><svg viewBox=\"0 0 20 20\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"10\" cy=\"10\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle><path d=\"M6 10.3l2.6 2.5L14 7.4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>Immediate response<\/li>\n        <\/ul>\n        <a class=\"btn btn-primary\" href=\"#loans\" data-apply=\"\" data-amount=\"1500\" aria-label=\"Apply for the Elite plan, $1,500\">Apply<\/a>\n      <\/article>\n          <\/div>\n    <p class=\"tiles-note\">APR 31.98%. Minimum repayment period is 90 days, maximum is 180 days. Administrative fees apply and are disclosed in your loan agreement before you sign. Approval and final amount depend on eligibility.<\/p>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"section process\" id=\"how\" aria-labelledby=\"how-title\">\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">How it works<\/span>\n      <h2 id=\"how-title\">From application to answer in three steps.<\/h2>\n    <\/div>\n    <div class=\"process-card\">\n      <div class=\"process-top\">\n        <h3>Apply online, from any device<\/h3>\n        <a class=\"btn btn-ghost\" href=\"#loans\" data-apply>Start my application <span class=\"arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a>\n      <\/div>\n      <div class=\"track\" aria-hidden=\"true\"><\/div>\n      <ol class=\"steps\" role=\"list\" style=\"list-style:none;margin:0;padding:0\">\n        <li class=\"step\">\n          <span class=\"step-num\" aria-hidden=\"true\">01<\/span>\n          <h4>Choose your amount<\/h4>\n          <p>Select a loan between $300 and $1,500, then fill in a short form with your contact, employment and income details.<\/p>\n          <span class=\"step-meta\">A few minutes<\/span>\n        <\/li>\n        <li class=\"step\">\n          <span class=\"step-num\" aria-hidden=\"true\">02<\/span>\n          <h4>Verify your bank account<\/h4>\n          <p>Connect your account through instant, encrypted bank verification. It replaces the paperwork and keeps your information private.<\/p>\n          <span class=\"step-meta\">Secure and instant<\/span>\n        <\/li>\n        <li class=\"step\">\n          <span class=\"step-num\" aria-hidden=\"true\">03<\/span>\n          <h4>Get your decision and funds<\/h4>\n          <p>We match your request with our lending partners. Once approved and your agreement is signed, funds are sent to your account.<\/p>\n          <span class=\"step-meta\">Funds can arrive within 24 hours of approval<\/span>\n        <\/li>\n      <\/ol>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"section\" id=\"why\" aria-labelledby=\"why-title\">\n  <div class=\"wrap apart\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Why Better Than The Bank<\/span>\n      <h2 id=\"why-title\">What sets us apart from the bank.<\/h2>\n      <p>Banks often take days to answer a small loan request. We built a process that is faster, clearer and fully online.<\/p>\n      <div><a class=\"btn btn-primary\" href=\"#loans\">See loan amounts <span class=\"arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a><\/div>\n    <\/div>\n    <div class=\"apart-list\">\n      <div class=\"apart-item\">\n        <span class=\"apart-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M12 3l7 3v5c0 4.4-3 8.3-7 10-4-1.7-7-5.6-7-10V6l7-3z\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linejoin=\"round\"\/><path d=\"M9 12l2.2 2.2L15.5 10\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <div><h3>A licensed Canadian broker<\/h3><p>Better Than The Bank holds Ontario Payday Loans Act License #4741631 and follows Canadian consumer lending rules.<\/p><\/div>\n      <\/div>\n      <div class=\"apart-item\">\n        <span class=\"apart-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><rect x=\"3\" y=\"6\" width=\"18\" height=\"12\" rx=\"2.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><path d=\"M3 10h18M7 14.5h4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><\/span>\n        <div><h3>More than a credit score<\/h3><p>Instant bank verification looks at your real income and account activity, so your credit history is not the only thing that counts.<\/p><\/div>\n      <\/div>\n      <div class=\"apart-item\">\n        <span class=\"apart-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 4h14v16l-3-2-2 2-2-2-2 2-2-2-3 2V4z\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linejoin=\"round\"\/><path d=\"M9 9h6M9 13h4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><\/span>\n        <div><h3>Costs you can read<\/h3><p>APR of 31.98% and a repayment period of 90 to 180 days. Your total cost and fees are shown in your agreement before you commit.<\/p><\/div>\n      <\/div>\n      <div class=\"apart-item\">\n        <span class=\"apart-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><rect x=\"5\" y=\"10\" width=\"14\" height=\"10\" rx=\"2.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><path d=\"M8 10V7.5a4 4 0 018 0V10\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><\/svg><\/span>\n        <div><h3>Private and secure<\/h3><p>Your personal information is encrypted and handled under Quebec&#8217;s Law 25. You decide which cookies we use.<\/p><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"section eligibility\" id=\"eligibility\" aria-labelledby=\"elig-title\">\n  <div class=\"wrap\">\n    <div class=\"section-head\" style=\"margin-bottom:0\">\n      <span class=\"eyebrow\">Eligibility<\/span>\n      <h2 id=\"elig-title\">Can I apply?<\/h2>\n      <p>You can apply if you meet these basic requirements. Final approval depends on the review of your file by our lending partners.<\/p>\n      <div><a class=\"btn btn-primary\" href=\"#loans\" data-apply>Check my eligibility <span class=\"arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a><\/div>\n    <\/div>\n    <ul class=\"elig-list\">\n      <li><span class=\"n\">01<\/span>You have reached the age of majority in your province<\/li>\n      <li><span class=\"n\">02<\/span>You earn at least $300 per week<\/li>\n      <li><span class=\"n\">03<\/span>You have held the same job for the last 3 months<\/li>\n      <li><span class=\"n\">04<\/span>You have a valid phone number and email address<\/li>\n      <li><span class=\"n\">05<\/span>Your bank account shows few or no recent NSF charges<\/li>\n    <\/ul>\n  <\/div>\n<\/section>\n\n\n\n<section id=\"policies\" class=\"wp-block-group section is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group wrap is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group section-head is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Information &amp; policies<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Know exactly what you sign up for.<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group policies is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group policy is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Our rate<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Better Than The Bank offers loans from $250 to $1,500 with an APR of 31.98%. The minimum repayment period is 90 days and the maximum is 180 days. In case of non-sufficient funds, a service fee will be charged.<\/p>\n\n\n\n<dl class=\"example\">\n  <dt>Loan amount<\/dt><dd>$300.00<\/dd>\n  <dt>Term<\/dt><dd>90 days<\/dd>\n  <dt>APR<\/dt><dd>31.98%<\/dd>\n  <dt>Total payback*<\/dt><dd>$316.00<\/dd>\n<\/dl>\n<p style=\"font-size:13px;color:var(--muted)\">*Before administrative fees.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group policy is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Collection and credit scoring<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We comply with Canadian laws, regulations and legal standards. If a particular situation arises during your repayment period, our collection department will work out a repayment agreement with you based on your situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If a borrower defaults on any repayment under the agreement, the creditor may demand payment in full of any unpaid balance, principal, interest and costs. Judicial and extrajudicial costs reasonably incurred because of a breach of contract may be claimed from the borrower. If no payment agreement is possible, the file may be assigned to a collection agency, which may affect the borrower&#8217;s credit rating or credit score.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group policy is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Borrow responsibly<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Short-term loans can be a useful solution when they are used responsibly. They carry higher interest rates than average, so they work best on an occasional basis and when no lower-cost option is available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taking out several loans of this kind can lead to an overly high debt load and serious financial difficulties. Borrow only what you can repay within your term.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section id=\"faq\" class=\"wp-block-group section faq-band is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group wrap faq-grid is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group section-head is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">FAQ<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Questions, answered.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Can&#8217;t find what you are looking for? Write to us at <strong>info@betterthanthebank.ca<\/strong>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group faq is-layout-flow wp-block-group-is-layout-flow\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much can I borrow?<\/summary>\n<p class=\"wp-block-paragraph\">You can request $300, $500, $750, $1,000, $1,250 or $1,500. The amount approved depends on your income and the review of your file.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How long do I have to repay my loan?<\/summary>\n<p class=\"wp-block-paragraph\">The minimum repayment period is 90 days and the maximum is 180 days. Your payment schedule is set out in your loan agreement.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much will my loan cost?<\/summary>\n<p class=\"wp-block-paragraph\">The APR is 31.98%. For example, for a $300 loan over 90 days, the total payback before administrative fees is $316.00. Administrative fees apply, and all costs are shown in your agreement before you sign.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Do you check my credit?<\/summary>\n<p class=\"wp-block-paragraph\">We use instant bank verification to review your income and account activity. This means your credit score is not the only factor in the decision.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Who can apply?<\/summary>\n<p class=\"wp-block-paragraph\">To apply, you need to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>be of the age of majority in your province;<\/li>\n\n\n\n<li>earn at least $300 per week;<\/li>\n\n\n\n<li>have held the same job for the last 3 months;<\/li>\n\n\n\n<li>have a valid phone number and email address;<\/li>\n\n\n\n<li>have few or no recent NSF charges.<\/li>\n<\/ul>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How fast will I receive the money?<\/summary>\n<p class=\"wp-block-paragraph\">Once your application is approved and your agreement is signed, funds can be deposited into your bank account within 24 hours.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is Better Than The Bank a lender?<\/summary>\n<p class=\"wp-block-paragraph\">Better Than The Bank is a licensed Canadian broker (Ontario Payday Loans Act License #4741631). We connect you with lending partners who review and fund your loan.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is my personal information safe?<\/summary>\n<p class=\"wp-block-paragraph\">Yes. Your data is encrypted and handled in line with Quebec&#8217;s Law 25 and Canadian privacy laws. Read our <a href=\"\/privacy\/\">Privacy Policy<\/a> for details, or contact our privacy officer at info@betterthanthebank.ca.<\/p>\n<\/details>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group closing is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group wrap is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Get the money you need, the simple way.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Apply online in minutes. Loans from $250 to $1,500.<\/p>\n<\/div>\n\n\n\n<a class=\"btn btn-white\" href=\"#loans\" data-apply>Apply now <span class=\"arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a>\n<\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Short-term credit, made simple Borrow $250 to $1,500. Pay it back over 90 to 180 days. Pick the amount you need, verify your bank account online and get an answer fast. No branch visit, no paperwork pile, no line-up at the bank. Instant, secure bank verification Your costs shown before you sign Confidential, Law 25 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-5","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/betterthanthebank.lab-media.dev\/index.php\/wp-json\/wp\/v2\/pages\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/betterthanthebank.lab-media.dev\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/betterthanthebank.lab-media.dev\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/betterthanthebank.lab-media.dev\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/betterthanthebank.lab-media.dev\/index.php\/wp-json\/wp\/v2\/comments?post=5"}],"version-history":[{"count":2,"href":"https:\/\/betterthanthebank.lab-media.dev\/index.php\/wp-json\/wp\/v2\/pages\/5\/revisions"}],"predecessor-version":[{"id":10,"href":"https:\/\/betterthanthebank.lab-media.dev\/index.php\/wp-json\/wp\/v2\/pages\/5\/revisions\/10"}],"wp:attachment":[{"href":"https:\/\/betterthanthebank.lab-media.dev\/index.php\/wp-json\/wp\/v2\/media?parent=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}