Rates & terms
What you'll
actually pay.
No teaser rates. No "starts at" fine print. Here are our real numbers — the ones we'd write on a napkin for you at the branch.
The core numbers
Everything at
a glance.
Loan amount
$200 – $5,000
Actual amount depends on income, credit, and state limits.
APR range
18.99% – 35.99%
Fixed for the life of the loan. Never changes.
Loan term
6 – 36 months
Choose the length that keeps your payment comfortable.
Extra fees
$0
No origination, no prepayment penalty, no application fee.
Sample scenarios
Common loans,
real payments.
Amount
Term
Monthly
Total cost
$500
6 months
$89.51
$537.07
$1,000
12 months
$94.07
$1,128.86
$1,500
12 months
$141.11
$1,693.29
$2,500 Popular
18 months
$164.31
$2,957.57
$3,500
24 months
$181.56
$4,357.35
$5,000
36 months
$185.79
$6,688.53
Representative example
A $2,500 personal loan for 18 months at 21.99% APR would have a monthly payment of $164.31 and total finance charge of $457.57. Sample assumes an established credit history and does not represent an offer. Actual rates and terms vary by state, income, and credit profile.