APR & Loan Duration
The APR on a personal loan from our network of lenders and lending partners varies, with many providers offering rates from 4.79% to 35.99% and loan durations between 90 days and 72 months. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender or lending partner and accept their loan agreement.
Representative Example
If you borrow $4,000 on a 2 year repayment term, the monthly repayment will be $182.74. Total repayment will be $4,385.74.
Annual Percentage Rate
The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lending partner and partner must show you the APR before you enter into the loan.
States have laws limiting the APR that the lending partner or partner can charge you. Rates will vary based on your credit, loan size and whether collateral is provided, with the lowest rates available to customers with good credit on larger, secured loans. Minimum and maximum loan amounts and APR may vary according to state law and lending partner or partners. We recommend you read the lending partner’s and partner’s personal terms and conditions in full before proceeding for a personal loan.
Typical Personal Loan Terms
While specific terms of personal loans will vary depending on your state,lender and your specific circumstances, below is a general range of common terms.
- Loan amount: $300 – $15,000
- Lending period: 6 - 72 months
- Payment frequency: Once a month or twice a month
- APR: Will vary based on your credit score, repayment history and other factors
- Prepayment penalty: None
Personal Loan Example
| Amount |
Period |
APR |
Monthly |
Total Paid |
| $2,000 |
24 month |
12% |
$94.15 |
$2,259.60 |
| $2,000 |
24 month |
24% |
$105.74 |
$2,537.76 |
| $2,000 |
24 month |
35.99% |
$118.09 |
$2,834.16 |
How a Personal Loan can Help You.
From a large medical bill to a car repair, you never know when an emergency will hit close to home. Just the same, there are times when you need an influx of cash to take on a home improvement project or to make a purchase.
Our process is designed with the consumer in mind, as it’s our goal for you to move forward in a fast and efficient manner. With access to our network of lending partners, you may be able to secure a loan of up to $100,000. Even better, you may be able to receive your funds within one business day (selected lenders).
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