Rates + fees
Transparent rates. No surprise fees.
Everything we charge — in plain language. Pre-qualification gives you your real APR, not a starting-from rate.
APR by credit tier
Current APR ranges
Fixed APR, no rate changes after signing. Origination fee is included in the APR shown.
| Credit tier | FICO range | APR range | Origination fee |
|---|---|---|---|
| Excellent | 740+ | 7.99% – 10.99% | 0% – 1% |
| Good | 700 – 739 | 9.99% – 13.49% | 1% – 3% |
| Fair | 640 – 699 | 12.99% – 16.99% | 3% – 5% |
| Limited | 580 – 639 | 16.49% – 18.99% | 5% – 6% |
Updated weekly. APR + origination fee combine into the all-in cost shown during pre-qualification. Sample APRs shown — your actual rate may vary based on individual credit profile, debt-to-income ratio, and verified income.
Loan amounts + terms
What you can borrow
$5,000 – $100,000
Loan amounts in $1,000 increments. Most customers borrow $15K–$35K. The full $100K is available for 740+ FICO with verified income above $80K.
2 – 7 year terms
Pick the term that fits your monthly budget. Longer terms = lower payment, more total interest. Shorter terms = higher payment, less interest paid.
Fixed monthly payment
Same payment, every month, until paid off. No variable rates. No surprise increases.
ACH auto-pay discount
0.25% APR discount when you set up automatic payments from a checking account. Auto-applied at signing.
All fees
What we charge
Origination fee
Based on credit. Deducted from your loan amount up front. Already included in your APR.
0% – 6%
Application fee
We don’t charge to apply.
$0
Prepayment penalty
Pay off early. Anytime. We don’t penalize you for it.
$0
Late fee
If your payment is more than 15 days late. Capped at $15 regardless of loan size.
$15 max
Returned payment
If a scheduled ACH payment bounces.
$15
Wire fee
We disburse via ACH only. No wire option, no wire fee.
$0
Hidden fees
If we charge it, it’s on this list. No exceptions.
None
Sample monthly payments
$202
$10K · 5y · 7.99%
Excellent credit
$425
$20K · 5y · 9.99%
Good credit
$795
$35K · 5y · 13.99%
Fair credit
$1,294
$50K · 5y · 11.99%
Average mid-tier
Rate questions
What people ask
- Yes. APR (Annual Percentage Rate) includes the origination fee per federal Truth-in-Lending Act requirements. So when you compare our APR to another lender’s, you’re comparing the all-in cost, not just the interest rate.