How We Figure Out Your APR
We look at things like your credit history and score, how much you want to borrow, and your debt compared to your income. Using that information, we create loan offers that match what you qualify for.
Rates & Fees: What You Need to Know
Annual Percentage Rate
The yearly cost of your loan, including both the interest rate and any origination fee. APR shows the true cost of borrowing and helps you compare offers from different lenders.
Origination Fee
A single fee of 0.00%–7.99% of your loan amount, based on your credit score, charged when you receive your loan.
Interest Rate
The yearly cost of borrowing money, expressed as a percentage of your total loan amount.
Monthly Payment Examples
| Term | Loan Amount | Interest Rate | Origination Fee | Fee Amount | APR | Amount Deposited | Monthly Payment |
|---|---|---|---|---|---|---|---|
| 24 | $10,500 | 13.5% | 4.8% | $504 | 17.7% | $9,996 | $488 |
| 36 | $18,450 | 11.8% | 5.2% | $960 | 14.9% | $17,490 | $602 |
| 48 | $18,920 | 12.7% | 6.1% | $1,154 | 16.3% | $17,766 | $490 |
| 60 | $21,750 | 12.9% | 6.2% | $1,348 | 17.1% | $20,402 | $492 |
| 72 | $25,890 | 9.2% | 6.0% | $1,553 | 11.2% | $24,337 | $454 |
Personal Loans Rates & Fees
A personal loan offers a flexible way to borrow for nearly any purpose, with a fixed interest rate, set repayment term, and predictable monthly payments. Most personal loans don’t require collateral and can often have lower rates than credit cards.
With fixed rates and clear terms, you can select a repayment plan that works for your budget and know exactly when your loan will be paid off — making them ideal for debt consolidation. Plus, responsibly managing a personal loan can help improve your credit score by adding to your credit mix, showing consistent on-time payments, and potentially reducing your overall debt.
