New American Funding Mortgage vs. MoneyLion Credit Builder Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
New American Funding Mortgage
New American Funding
4.4
FHA and non-QM specialist with bilingual support and a 580+ credit score minimum for some programs.
Full review →MoneyLion Credit Builder Plus
MoneyLion
3.8
Credit builder loan with partial immediate fund access. $19.99/month membership required.
Full review →WealthSpott Verdict
MoneyLion Credit Builder Plus wins on more measurable categories — particularly on rate and cost. New American Funding Mortgage may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
MoneyLion Credit Builder
APR Range
6.40% – 8.30%
5.99% – 29.99% Best
Loan Amount
$75,000 – $3,500,000 Best
$500 – $1,000
Term Length
120–360 months
12–12 months
Origination Fee
Varies; competitive on FHA and non-QM
$19.99/month membership fee
Min Credit Score
580+
0+ Best
Funding Speed
21–30 days
Partial immediate access; remainder at term end
New American Funding Mortgage
MoneyLion Credit Builder Plus
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