Credit card APRs are determined by the federal benchmark interest rate set by the Federal Reserve, economic factors, and your creditworthiness.

Source: https://www.cnet.com/personal-finance/credit-cards/best-0-apr-credit-cards/

It’s vital to note that the APR can vary depending on factors such as creditworthiness and the type of transaction.

Source: https://www.eptrail.com/2023/07/13/navigating-interest-charges-and-fees-on-your-credit-card-statement/

The exact advance rate depends on various factors, such as the creditworthiness of the business and its customers, the industry, and the specific terms of the financing agreement.

Source: https://genevalunch.com/invoice-financing-for-small-businesses/

Unlike 401k loans, personal loans based on income and in addition to creditworthiness are not easy to get.

Source: https://genevalunch.com/401k-loan-vs-personal-loan/

Upstart offers both 3-year and 5-year loan products and utilizes an income and default prediction model that incorporates factors like education history, employment, and traditional underwriting criteria to assess creditworthiness.

Source: https://seekingalpha.com/article/4611913-upstart-stock-premium-built-on-inconsistencies-and-half-truths?source=feed_all_articles

Yes, a single-member LLC can get a loan, but the approval process may be more challenging because the lender may evaluate the business owner’s personal credit score and financial history in addition to the LLC’s creditworthiness.

Source: https://genevalunch.com/llc-business-loan-things-to-know/