What we charge
$0.00
There is no fee to submit a request, no fee to be matched, and no fee to decline an offer. We are compensated by the lenders and lending partners we connect you to. Anyone asking you for money up front to "release" or "insure" a loan is running a scam. Stop and report it.
What lenders charge
Rates and fees are set by the lender, not by us. We have no ability to negotiate them, and we do not see your final terms. What we do enforce is a ceiling: lenders in our network offer loans with an Annual Percentage Rate ranging from 5.99% to 35.99%, inclusive of interest, fees, and other costs. The lowest rates in that band go to qualified consumers, and a damaged credit file will be priced towards the top of it.
Repayment periods in the network run from a minimum of 91 days to a maximum of 72 months. Individual lenders may offer a narrower band.
Depending on the lender and your state, you may also encounter:
- Origination fee. Deducted from the amount funded, or added to the balance.
- Late payment fee. Charged if a payment is missed or arrives after its due date.
- Returned payment fee. Charged if a payment fails for insufficient funds.
- Refinance, renewal, or rollover charges. Where state law permits them at all.
Every one of these must be disclosed to you in writing by the lender, on the lender's own site, before you sign.
Worked examples
Illustrative only. Your own offer is set by the lender and will differ.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest Rate (APR) | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Other Fees/Costs (%) | 5% | 5% | 5% | 5% |
| Other Fees/Costs ($) | $50 | $100 | $250 | $500 |
| Monthly Payment | $99.29 | $105.86 | $140.84 | $212.90 |
| Number of Payments | 12 | 24 | 48 | 60 |
| Total Payment | $1,191.48 | $2,540.64 | $6,760.32 | $12,774.00 |
APR ranges from 5.99% up to 35.99% for qualified customers.91 day minimum up to 72 month maximum repayment period.
Late payments hurt your credit score
Missing a payment or paying late can damage your credit score and add fees. Accept only terms you are confident you can repay on schedule. If you know a payment will be missed, contact your lender before the due date. Options exist, but only if you ask before you default.