Rates & Terms

Transparent pricing and clear terms for all our loan products. Your financial clarity starts here.

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Current Interest Rates

Our competitive rates are based on creditworthiness, loan amount, and term length. All rates shown are Annual Percentage Rates (APR).

Personal Loans

5.99% - 24.99%

APR

$1,000 - $100,000
2 - 7 year terms
Fixed rates

Most Popular

Auto Refinancing

3.49% - 18.99%

APR

$7,500 - $100,000
2 - 7 year terms
2010+ vehicles

Debt Consolidation

6.99% - 26.99%

APR

$2,000 - $100,000
2 - 7 year terms
Pay off multiple debts

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Loan Terms & Conditions

Understanding your loan terms is important. Here's everything you need to know about our lending practices.

Loan Requirements

Eligibility Criteria

Must be 18+ years of age
U.S. citizen or permanent resident
Minimum credit score of 580
Stable monthly income of $1,000+
Valid bank account with routing number

Required Documentation

Government-issued photo ID
Recent pay stubs or tax returns
Bank statements (last 2-3 months)
Proof of residence

Payment Terms

Payment Schedule

Monthly payments due on same date each month
Automatic payments available with 0.25% rate discount
No prepayment penalties
Late fee: $15 or 5% of payment (whichever is greater)

Additional Fees

Origination Fee: 0% - 8%

Insufficient Funds Fee: $15

Check Processing Fee: $0

Early Payoff Penalty: $0

Important Disclosures

• All loan terms subject to credit approval
• APR includes interest rate and applicable fees
• Your actual rate may differ based on creditworthiness
• Loan amounts from $1,000 to $100,000
• Repayment terms from 24 to 84 months

Questions about our terms?