Rates & Fees
Typical range: $100–$5,000 · 3–24 months · APR 5.99%–35.99%.
Overview
Amounts
$100 to $5,000
Request an amount that fits your needs.
Terms
3 to 24 months
Term length is set by participating lenders.
APR
5.99% to 35.99%
APR depends on lender and your eligibility.
Example payments (illustrative)
These examples are for illustration only and do not represent a guaranteed offer. Your actual payment schedule depends on your lender, APR, term, and fees.
| Loan amount | Term | APR | Estimated monthly payment* |
|---|---|---|---|
| $500 | 6 months | 20.00% | ~$88–$92 |
| $2,000 | 12 months | 24.00% | ~$185–$195 |
| $5,000 | 24 months | 29.99% | ~$285–$310 |
*Estimated payments shown as ranges because lenders may include fees or different repayment structures.
Fees & charges
Origination / administrative fees: Some lenders may charge an origination or admin fee. If applicable,
it will be disclosed before you accept an offer.
Late / returned payment fees: Depending on lender policy, late payments or returned payments may incur
fees. Check your lender agreement for details.
Prepayment: Some lenders allow you to pay early without a penalty, while others may have rules about
how interest is calculated. Review prepayment terms before accepting any offer.
Autopay and bank timing: If you choose automatic payments, bank processing times may affect when funds
are withdrawn/posted. Returned payments (NSF) may lead to fees according to your lender agreement.
No hidden fees: We highlight key terms and provide links to legal documents before you submit consent.
Tips to reduce APR impact
- Borrow only what you need.
- Choose the shortest term you can comfortably afford.
- Make payments on time to avoid late fees and additional charges.
- Review the full lender agreement before accepting an offer.
Understanding APR & total cost
APR (“Annual Percentage Rate”) is a standardized way to express the cost of credit as a yearly rate. Your total cost may also depend on the term length and any lender fees disclosed in your offer.
- Lower APR generally means lower borrowing cost, all else equal.
- Longer terms may reduce monthly payments but can increase total interest paid.
- Always compare the lender’s total of payments, fee disclosures, and repayment schedule before accepting.