Rates & Fees

1) Overview

APPNAME is not a lender and does not make credit decisions. We operate a digital platform that routes your request to a network of independent, licensed lenders and financial service providers. Any loan or cash advance you receive will be underwritten and serviced by a third-party lender, and that lender—not APPNAME—will determine the interest rate, fees, and repayment terms that apply to you.

The figures on this page are for general informational purposes only. They are not a guarantee of credit, approval, or any particular rate, term, or amount. Your actual offer (if any) will depend on your state of residence, credit profile, income, banking history, and the policies of the lender that reviews your request.

2) Typical loan amounts and uses

3) APR range and factors that affect your rate

The Annual Percentage Rate (APR) represents the yearly cost of credit, expressed as a percentage, and may include interest and certain lender‑imposed fees. For products accessible through the APPNAME platform, typical APRs may range up to approximately 35%, subject to state‑specific caps and lender underwriting.

Your actual APR is set solely by the lender and may depend on factors such as:

• Your credit history and credit score (where used by the lender).
• Your income, employment status, and debt‑to‑income ratio.
• The requested loan amount and repayment term.
• Your banking history and repayment history with the lender (if any).
• Applicable state usury limits and other legal requirements.

Lenders are required to present you with clear rate and fee disclosures before you sign any agreement. You should review those disclosures carefully and compare offers where possible.

4) Repayment terms and payment schedule

Repayment periods vary by lender and product type. For many personal loan products available through our network, typical terms range from approximately 3 to 24 months. Some lenders may offer shorter or longer terms in certain states.

Repayments are generally made in fixed installments on a regular schedule, such as:

• Monthly.
• Semi‑monthly (twice per month).
• Bi‑weekly (every other week).

Most lenders collect payments via automatic electronic transfer (ACH debit) from your designated bank account. Your loan agreement will specify:

• The total number of payments.
• The amount and due date of each payment.
• The total amount you will repay if you make all payments on time.

5) Example cost of credit

The following examples are for illustration only. They assume that you make all payments in full and on time. Actual offers may differ, and not all borrowers will qualify for these terms.

These examples are not offers or guarantees. Lenders will provide you with a Truth‑in‑Lending disclosure (or similar summary) that shows your exact APR, finance charge, payment schedule, and total of payments before you accept any agreement.

6) Fees and possible charges

APPNAME does not charge you a fee to submit a request or to use the matching platform. Any fees you pay will be charged by the lender or a related service provider and will be described in your lender’s disclosures and agreement. Depending on the lender and your state, fees may include:

• Origination or underwriting fees: A fee that may be deducted from your funded amount or added to the amount you repay.
• Late payment fees: Charged if you miss a due date or pay less than the full scheduled amount, as permitted by law.
• Returned payment / insufficient funds (NSF) fees: Charged if an ACH debit or other payment attempt is returned unpaid by your bank.
• Expedited funding fees (if offered): Some lenders may offer same‑day or instant disbursement for an additional fee; others do not.
• Other state‑specific fees: Certain jurisdictions permit or require additional charges, caps, or rebates. Your lender will explain any such amounts.

Carefully review the “Fees,” “Cost of Credit,” and “Payment Obligations” sections of your lender’s documents before accepting an offer.

7) Early repayment and prepayment

Many lenders in our network allow you to repay your loan early, in whole or in part, without a prepayment penalty. Paying off your balance ahead of schedule can reduce the total interest you pay over the life of the loan.

However, early repayment policies—and how interest is calculated on your account—can vary by lender and by state. Before accepting an offer, review your agreement to confirm:

• Whether prepayment penalties apply (if any).
• How interest is calculated and whether it continues to accrue after payoff.
• How additional or extra payments will be applied (principal, interest, or fees).

8) Important reminders and responsible use

• Only borrow what you reasonably expect to repay on time and in full.
• Missing payments may result in additional fees, collection activity, and negative credit reporting.
• If you are struggling to make a payment, contact your lender as soon as possible to discuss options that may be available.
• Consider alternatives—such as working with creditors directly, payment plans, or financial counseling—if you are in persistent financial difficulty.

For additional information about how loans should be used and the risks of high‑cost credit, please see our Responsible Lending page.