Loan terms at a glance
| Feature | Details |
|---|---|
| Loan amount | $200 – $5,000 |
| APR | 12.9% – 35.99% (varies by state, amount, term and credit profile) |
| Repayment term | 3 – 24 months |
| Payment schedule | Equal monthly payments |
| Prepayment penalty | None |
| Late payment | Late fees may apply per your agreement and state law |
| Origination or other fees | If any apply, they are shown in your agreement before you sign |
Representative example: a $1,000 loan repaid over 12 monthly payments at 24.99% APR would have a monthly payment of about $95.04 and a total repayment of about $1,140.47.
Estimated monthly payments
| Loan amount | 6 months | 12 months | 18 months | 24 months |
|---|---|---|---|---|
| $200 | $35.80 | $19.01 | $13.44 | $10.67 |
| $500 | $89.51 | $47.52 | $33.59 | $26.68 |
| $1,000 | $179.02 | $95.04 | $67.19 | $53.37 |
| $2,500 | $447.56 | $237.60 | $167.97 | $133.42 |
| $5,000 | $895.12 | $475.20 | $335.93 | $266.83 |
Illustration at 24.99% APR only. Your APR may be higher or lower; the exact figures are shown in your offer before you sign.
What is APR?
The annual percentage rate (APR) expresses the yearly cost of your loan, including interest and certain fees. It lets you compare different loans on equal terms. A lower APR generally means a lower total cost.
What affects your rate?
- Your state — each state sets its own limits and rules.
- Loan amount and term — these change both your payment and total interest.
- Credit profile — payment history and credit usage.
- Income and existing debt — your ability to repay.
How to lower the total cost
- Borrow only what you need
- Choose the shortest term you can afford
- Make extra payments when possible — there is no prepayment penalty
- Pay on time to avoid late fees
Estimate your own payment with the loan calculator, or apply to see your personal offer.
Rates & fees FAQ
What is the APR?
APRs range from 12.9% to 35.99% depending on your state, loan amount, term and credit profile. Your exact APR is shown before you sign.
How long are the repayment terms?
Terms range from 3 to 24 months, depending on the amount and your state's rules.
Are there prepayment penalties?
No. You can pay your loan off early at any time with no prepayment penalty.
What happens if I miss a payment?
Contact us as soon as possible. Late fees may apply according to your loan agreement and state law, and late payments can be reported to credit bureaus.
Can I use a loan calculator before I apply?
Yes — our free loan calculator shows your estimated monthly payment, total repayment and interest in seconds.