Requesting offers costs nothing. What you pay depends on the loan you accept — and every number is on the agreement before you sign. Here are the typical ranges, real examples and every fee you might see.
Three products, three pricing structures. The bar shows where the typical range sits.
Ranges are typical across our lender network. Some lenders and states price above or below these; your lender's APR is on the agreement.
Real math, no origination fee assumed. Total cost is the number to compare.
APR is the fairest way to compare loans of the same length — but across different lengths, the dollars per $100 tell you what you'll actually pay.
Rounded to the nearest dollar. The short-term figure is for one 14-day period — rolling it over repeats the fee, which is how a $15 cost becomes $60 in two months.
Stronger history and fewer recent missed payments sit at the low end of the range.
Steady deposits and no overdrafts let lenders offer more at a lower rate.
Longer terms lower the payment but raise total interest; very short terms cost more per dollar.
State law caps rates and fees. See your state's limits.
Move the slider, pick a term and an APR, and see the monthly payment and total. Then open the full calculator for an amortization schedule.
Estimate for an installment or personal loan with equal monthly payments. Your lender sets the actual APR and payment.
More in the full FAQ. Lower score? See what to expect on the bad credit loans page.
It depends on the product, your credit profile, income and state. Installment and personal loans in our network commonly run 9.95% to 35.99% APR. Short-term loans are priced as a flat fee per $100 borrowed, which works out to a triple-digit APR because the term is only a few weeks. Your lender shows your exact APR before you sign.
No. Requesting offers is free. Any fees — origination, late payment or returned payment — are charged by the lender and listed on your agreement.
Some lenders charge one, typically 1% to 6% of the loan, deducted from the amount you receive or added to the balance. Many charge none. It is always disclosed on the agreement and included in the APR.
Most installment and personal loans in our network have none, so paying early reduces the interest you pay. Short-term loans can be repaid early but there is little interest to save.
A $15 fee on $100 for two weeks is 15% for the period, and APR annualizes that to about 391%. The dollar cost is small but the rate is high — use short-term loans only for small, urgent bills you can clear on the next paycheck.
Yes. Each state sets its own caps on amounts, fees and APR. Some states prohibit short-term loans entirely. See rates and limits for your state.
Request offers with a soft credit check. The APR, fees and total cost are on the agreement before you decide.