Same day decisions assume a completed application with all required supporting documentation submitted early enough on a day that our offices are open. *Funding time periods are estimates and can vary for each loan request. Average interest savings for personal loans range from 0% - 6% based on closed loans that qualified for one or more of our rate discounts in July 2022. Adding a co-borrower with sufficient income using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly or showing proof of sufficient retirement savings, could help you also qualify for a lower rate. Loan origination fees vary from 1.99% to 6.99%. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount of $12,000.00 or less, and a term of 24 months. For example: A four-year $20,000 loan with an APR of 18.34% would have an estimated monthly payment of $561.60 and total cost of $26,956.80. Repayment periods range from 24 to 60 months. APRs range from 7.99 to 29.99% and include applicable origination fees. Loan amounts generally range from $5,000 to $50,000 (including the origination fee) and are offered based on underwriting conditions and loan purpose. Minimum loan amounts vary due to state specific legal restrictions. Loans are not available to residents of all states.
All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history.
Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), Equal Housing Lender, originated by Cross River Bank, a New Jersey State Chartered Commercial Bank or Pathward, N.A., Equal Housing Lenders and may not be available in all states.
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