With credit card interest rates above 20% and balances at record highs, millions of Americans are stuck in a cycle of minimum payments. Pennie Financial’s income-focused loan marketplace offers a way ...

The online lending industry has a problem. For years, loan marketplaces have operated on a simple formula: collect borrower information, sell it to as many lenders and partners as possible, and let ...

You are likely here because an advertisement was seen promising loans based on income, not credit score. That claim has reached tens of millions of applicants. The outcomes tell a more complicated ...

Opinions expressed by Digital Journal contributors are their own. Debt consolidation sounds simple: combine multiple high-interest debts into one loan with a lower rate and a single monthly payment.

Pennie announced the continued expansion of its income-focused lending marketplace in 2026, building on record-setting performance in 2025. The platform, which connects borrowers with personal and ...