Every rate, every fee, on one page
APRs range from 5.99% to 35.99% across all products. Your exact APR depends on the loan product, amount, term, and your credit profile. Every fee is listed here — nothing hidden.
APR ranges by loan product
| Product | Loan amount | Term | APR range | Origination |
|---|---|---|---|---|
| Installment Loan | $500–$5,000 | 3–24 months | 7.99–29.99% | $0 |
| Emergency Cash | $200–$1,500 | 2–6 months | 18.99–35.99% | $0 |
| Line of Credit | $200–$4,000 | Revolving | 12.99–35.99% | $0 |
| Credit-Builder | $300–$2,000 | 6–24 months | 5.99–14.99% | $9 setup |
APRs shown are the current range across all approved borrowers. Individual APR depends on state, amount, term, and credit profile.
What a loan actually costs
Three real payment scenarios at our representative APRs. Your offer may differ.
$500
$1,500
$3,500
Fees, in full detail
Most fees are zero. We only charge what's necessary — and we tell you before you accept.
Origination fee
$0 · No origination fee on installment, emergency, or LOC loans. Only $9 on credit-builder for setup.
Application fee
$0 · Free to apply and free to check your rate. Always.
Prepayment penalty
$0 · Pay off early any time — you'll save on interest and never pay a penalty.
Late payment fee
$15 · Charged only after 10-day grace period. We waive one late fee per year on request.
Returned payment (NSF)
$15 · Standard bank returned payment fee if an auto-debit fails.
Autopay discount
-0.25% APR · Set up autopay and reduce your APR by a quarter point. Optional.
We're licensed in 34 states
We're actively expanding. States shown with a line through them are where we're not currently licensed.
See your exact APR
Rate ranges above show what's possible. Complete a 2-minute soft credit check to see your real personalized offer.
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