The process was easy. I received pre-approval via Credit Karma. I applied and received loan description immediately.
APR offer or Loan amount did not change from initial offer as most banks do.
After loan approval, my deposit and card payments were completed within 2 days, better than described.
There was an additional charge of $900 on top of APR/Interest rates. I'm assuming that would change depending on the amount of your loan
Overall, the loan application process was smooth and quick. Definitely helped consolidate so I can raise my credit score