Enova

This company uses AI and machine learning in its lending platform to provide advanced financial analytics and credit assessment. The company aims to serve non-prime consumers and small businesses and help solve real-life problems, such as emergency costs and bank loans for small businesses, without putting either the lender or recipient in an unmanageable situation.   Enova’s pricing is based on the interest rate and fees charged for each loan product, which vary depending on the loan amount, term, credit score, and other factors. For example, Enova’s NetCredit personal loans have an APR range of 34% to 155%, while its CashNetUSA payday loans have an APR range of 207% to 805%.