We believe in full transparency. Review all rates, fees, and representative examples before submitting your request.
Key figures for loans available through our lender network.
Borrow the amount you need, up to $5,000 depending on lender and state eligibility.
Annual Percentage Rate varies based on loan amount, term, and your creditworthiness.
Flexible installment terms including 12-month plans to help you budget effectively.
These examples illustrate typical loan costs. Your actual terms will depend on the lender’s offer.
| Loan Amount | APR | Term | Monthly Payment | Total Interest | Total Repayment |
|---|---|---|---|---|---|
| $500 | 18.00% | 12 months | $45.84 | $50.08 | $550.08 |
| $500 | 29.99% | 12 months | $49.21 | $90.52 | $590.52 |
| $2,000 | 18.00% | 12 months | $183.37 | $200.44 | $2,200.44 |
| $2,000 | 29.99% | 12 months | $196.84 | $362.08 | $2,362.08 |
| $5,000 | 18.00% | 24 months | $249.86 | $996.64 | $5,996.64 |
| $5,000 | 29.99% | 24 months | $278.49 | $1,683.76 | $6,683.76 |
These are illustrative examples only. Actual rates and payments are set by individual lenders and may differ significantly.
Lenders may charge various fees. Here is what you should know before accepting any offer.
A one-time fee deducted from your loan proceeds, included in your APR calculation. Not all lenders charge this fee.
Charged if your payment is not received by the due date. Check your loan agreement for exact terms and grace periods.
Most lenders in our network do not charge a penalty for paying off your loan early. Always confirm before signing.
If a scheduled payment is returned due to insufficient funds, you may be charged a fee by both the lender and your bank.
Understanding APR helps you compare loan offers and make the best financial decision.
The Annual Percentage Rate (APR) represents the total cost of borrowing over a year, expressed as a percentage. Unlike a simple interest rate, APR includes lender fees, making it a more accurate measure of the true cost of a loan.
A higher APR means you pay more over the life of the loan. Always compare APRs — not just monthly payments — when evaluating loan offers.
Compare total repayment: Ask lenders to disclose the total amount you will repay, not just the monthly payment.
Read the loan agreement: Before signing, review all terms including fees, payment schedule, and late payment consequences.
Borrow only what you need: A smaller loan means less interest paid overall, even at the same APR.
Shorter terms save money: A 6-month loan typically costs less in total interest than a 24-month loan at the same APR.