Rates & Terms

Typical Loan Ranges

Lenders in our network offer a variety of loan products. While specifics vary, here are some general ranges:

What Affects Your Rate?

Lenders consider multiple factors when determining your interest rate and loan terms:

• Credit score: Higher scores typically qualify for better rates
• Income and employment: Stable income can improve your offer
• Loan amount and term: Larger loans or longer terms may have different rates
• Debt-to-income ratio: Lower ratios may result in more favorable terms
• State of residence: Lending regulations vary by state

Understanding APR

APR stands for Annual Percentage Rate. It represents the yearly cost of borrowing, including interest and certain fees. A lower APR means you'll pay less over the life of the loan.

Important: Always review the APR and total repayment amount before accepting any loan offer.

Example Loan Scenarios

These are illustrative examples only. Your actual terms will vary based on the lender and your individual situation.

Fees and Other Costs

Some lenders may charge additional fees, such as:

• Origination fees (typically 1-8% of loan amount)
• Late payment fees
• Prepayment penalties (though many lenders don't charge these)

Always read the loan agreement carefully to understand all costs before accepting.

State-Specific Information

Lending laws vary by state. Some states have caps on interest rates, maximum loan amounts, or other restrictions. The lenders you're matched with will comply with the regulations in your state.