Head-to-Head

Every metric that matters, side by side.

Select two lenders. We compare safety, APR, custody, fees, and 8 more factors — so you choose with data, not marketing.

Lender A

Lender B

Figure

Est. 2018

7.1

3.4

Lava

Est. 2023

Figure

Lava

7.1

3.4

Higher safety score (7.1 vs 3.39)

7.1

Safety Score

Higher safety score (7.1 vs 3.39)

3.4

Safety Score

Higher safety score (7.1 vs 3.39)

Figure

7.1

Higher safety score (7.1 vs 3.39)

Lava

3.4

Lower minimum APR (7.5% vs 8.91%)

8.91%

APR Range

Lower minimum APR (7.5% vs 8.91%)

7.5%

APR Range

Lower minimum APR (7.5% vs 8.91%)

Figure

8.91%

Lower minimum APR (7.5% vs 8.91%)

Lava

7.5%

—

Both have the same max LTV

50%

Max LTV

—

Both have the same max LTV

50%

Max LTV

—

Both have the same max LTV

Figure

50%

—

Both have the same max LTV

Lava

50%

—

Compare loan amounts based on your needs

Min $500
Max Unlimited

Loan Amount Range

—

Compare loan amounts based on your needs

Min $100
Max Unlimited

Loan Amount Range

—

Compare loan amounts based on your needs

Figure

Min $500
Max Unlimited

—

Compare loan amounts based on your needs

Lava

Min $100
Max Unlimited

Lower origination fee

Origination Fee

Lower origination fee

None

Origination Fee

Lower origination fee

Figure

Lower origination fee

Lava

None

—

Both have the same funding speed

Same day

Funding Speed

—

Both have the same funding speed

Same day

Funding Speed

—

Both have the same funding speed

Figure

Same day

—

Both have the same funding speed

Lava

Same day

—

Both have the same custody model

Custodial

Custody Model

—

Both have the same custody model

Custodial

Custody Model

—

Both have the same custody model

Figure

Custodial

—

Both have the same custody model

Lava

Custodial

—

Both have the same rehypothecation policy

No Rehypothecation

Rehypothecation Policy

—

Both have the same rehypothecation policy

No Rehypothecation

Rehypothecation Policy

—

Both have the same rehypothecation policy

Figure

No Rehypothecation

—

Both have the same rehypothecation policy

Lava

No Rehypothecation

—

No published reserve reporting or on-chain verification

Not published

Reserve Transparency

—

No published reserve reporting or on-chain verification

Not published

Reserve Transparency

—

No published reserve reporting or on-chain verification

Figure

Not published

—

No published reserve reporting or on-chain verification

Lava

Not published

registered is a stronger regulatory status

Registered

Regulatory Status

registered is a stronger regulatory status

Undisclosed

Regulatory Status

registered is a stronger regulatory status

Figure

Registered

registered is a stronger regulatory status

Lava

Undisclosed

Fewer excluded states (0 vs 10)

40 states
Excluded: 10

US State Availability

Fewer excluded states (0 vs 10)

All 50 states

US State Availability

Fewer excluded states (0 vs 10)

Figure

40 states
Excluded: 10

Fewer excluded states (0 vs 10)

Lava

All 50 states

Longer track record (8 yrs vs 3 yrs)

8 yrs
Est. 2018

Track Record

Longer track record (8 yrs vs 3 yrs)

3 yrs
Est. 2023

Track Record

Longer track record (8 yrs vs 3 yrs)

Figure

8 yrs
Est. 2018

Longer track record (8 yrs vs 3 yrs)

Lava

3 yrs
Est. 2023

Bottom line

Lava

Wins 3 of 12 categories

Figure wins

Tied

Lava wins

Score breakdown

Figure: 3 categories6 tiesLava: 3 categories

Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.

Head-to-Head

Every metric that matters, side by side.

Select two lenders. We compare safety, APR, custody, fees, and 8 more factors — so you choose with data, not marketing.

Lender A

Lender B

Figure

Est. 2018

7.1

3.4

Lava

Est. 2023

Figure

Lava

7.1

3.4

Higher safety score (7.1 vs 3.39)

7.1

Safety Score

Higher safety score (7.1 vs 3.39)

3.4

Safety Score

Higher safety score (7.1 vs 3.39)

Figure

7.1

Higher safety score (7.1 vs 3.39)

Lava

3.4

Lower minimum APR (7.5% vs 8.91%)

8.91%

APR Range

Lower minimum APR (7.5% vs 8.91%)

7.5%

APR Range

Lower minimum APR (7.5% vs 8.91%)

Figure

8.91%

Lower minimum APR (7.5% vs 8.91%)

Lava

7.5%

—

Both have the same max LTV

50%

Max LTV

—

Both have the same max LTV

50%

Max LTV

—

Both have the same max LTV

Figure

50%

—

Both have the same max LTV

Lava

50%

—

Compare loan amounts based on your needs

Min $500
Max Unlimited

Loan Amount Range

—

Compare loan amounts based on your needs

Min $100
Max Unlimited

Loan Amount Range

—

Compare loan amounts based on your needs

Figure

Min $500
Max Unlimited

—

Compare loan amounts based on your needs

Lava

Min $100
Max Unlimited

Lower origination fee

Origination Fee

Lower origination fee

None

Origination Fee

Lower origination fee

Figure

Lower origination fee

Lava

None

—

Both have the same funding speed

Same day

Funding Speed

—

Both have the same funding speed

Same day

Funding Speed

—

Both have the same funding speed

Figure

Same day

—

Both have the same funding speed

Lava

Same day

—

Both have the same custody model

Custodial

Custody Model

—

Both have the same custody model

Custodial

Custody Model

—

Both have the same custody model

Figure

Custodial

—

Both have the same custody model

Lava

Custodial

—

Both have the same rehypothecation policy

No Rehypothecation

Rehypothecation Policy

—

Both have the same rehypothecation policy

No Rehypothecation

Rehypothecation Policy

—

Both have the same rehypothecation policy

Figure

No Rehypothecation

—

Both have the same rehypothecation policy

Lava

No Rehypothecation

—

No published reserve reporting or on-chain verification

Not published

Reserve Transparency

—

No published reserve reporting or on-chain verification

Not published

Reserve Transparency

—

No published reserve reporting or on-chain verification

Figure

Not published

—

No published reserve reporting or on-chain verification

Lava

Not published

registered is a stronger regulatory status

Registered

Regulatory Status

registered is a stronger regulatory status

Undisclosed

Regulatory Status

registered is a stronger regulatory status

Figure

Registered

registered is a stronger regulatory status

Lava

Undisclosed

Fewer excluded states (0 vs 10)

40 states
Excluded: 10

US State Availability

Fewer excluded states (0 vs 10)

All 50 states

US State Availability

Fewer excluded states (0 vs 10)

Figure

40 states
Excluded: 10

Fewer excluded states (0 vs 10)

Lava

All 50 states

Longer track record (8 yrs vs 3 yrs)

8 yrs
Est. 2018

Track Record

Longer track record (8 yrs vs 3 yrs)

3 yrs
Est. 2023

Track Record

Longer track record (8 yrs vs 3 yrs)

Figure

8 yrs
Est. 2018

Longer track record (8 yrs vs 3 yrs)

Lava

3 yrs
Est. 2023

Bottom line

Lava

Wins 3 of 12 categories

Figure wins

Tied

Lava wins

Score breakdown

Figure: 3 categories6 tiesLava: 3 categories

Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.