Transparent PricingRates, Fees & Costs
Complete transparency about our rates, fees, and what you can expect to pay. No hidden charges, ever.
Important Notice
We operate an online platform and are not a direct lender. Actual rates and fees are determined by individual lenders based on your credit profile and state regulations.
APR Range Overview
What is APR?
APR (Annual Percentage Rate) represents the true cost of borrowing, including interest and certain fees, expressed as a yearly percentage. It allows you to compare different loan offers more accurately than looking at interest rates alone.
Fee Structure
Origination Fee
One-time fee charged by a lender for processing
Late Payment Fee
Charged if payment is not received by due date
Returned Payment Fee
Charged for insufficient funds or rejected payments
Prepayment Penalty
Fee for paying off loan early
No Hidden Fees Promise
Participating lenders are required to disclose all fees upfront. You'll see the complete cost breakdown before you accept any loan offer. If you encounter unexpected fees from a lender, please report it to our compliance team immediately.
APR & Cost Comparison
| Loan Amount | APR Range | Term | Monthly | Total Payment |
|---|---|---|---|---|
$1,000 | 5.99% - 24.99% | 12 - 36 months | $86 - $102 | $1,032 - $1,224 |
$5,000 | 7.99% - 29.99% | 24 - 60 months | $151 - $193 | $3,624 - $5,780 |
$10,000 | 9.99% - 35.99% | 36 - 72 months | $161 - $285 | $5,796 - $10,260 |
$20,000 | 6.99% - 19.99% | 48 - 84 months | $304 - $462 | $14,592 - $22,176 |
How Your Rate is Calculated
State Regulations & Limits
Compliance Standards
Lenders in our network must strictly adhere to the specific regulations of your state of residence. Maximum interest rates, fees, and allowable terms vary significantly by jurisdiction to protect consumers. Always review your localized loan disclosure agreement for legally binding terms.
Instant Payment Estimator
Configure Loan
Projected Results
Estimations are non-binding. Final APR and terms provided by the participating lender upon approval.
Full Disclosure
You have the total right to receive a full itemized breakdown of costs before signing.
24-Hour Review
We recommend taking 24 hours to review any offer. There is no obligation to accept.
Legal Oversight
All rates and fees provided by our network must comply with Regulation Z (TILA).