In the US, it's great to get many spectacular PERSONAL LOAN OFFERS in the mail.
Many companies such as sofi.com and figure.com pump these.
I am wondering
(1) Are these generally seen as "a good deal", or it more the case "Just click for a personal loan from the local credit union you use, unless you have crap credit and have to use one of these guys"
(2) I assume that these type of entities are simply a marketing front for one of the large banks - is that basically correct?
Are these things something of a smart choice to shop around for a good rate, or is it more bottom of the barrel stuff?