Every number a lender can charge, on one page
APR ranges by credit tier, terms, fees, funding times and a representative example for each tier. These are the ranges lenders in our network publish; your lender shows your exact figures before you sign.
Loan terms
| Loan amounts | $200 – $5,000 |
| Repayment terms | 3 – 36 months, equal monthly payments |
| APR range | 5.99% – 35.99%, fixed |
| Credit check | Soft inquiry to view offers; one hard inquiry on acceptance |
| Funding | Next business day by ACH; same-day with some lenders before cut-off |
| Repayment | ACH autopay on the agreed date; early payoff allowed by most lenders |
| Reporting | Most lenders report to one or more credit bureaus |
Fee schedule
| Fee to request or view offers | $0 |
| Origination fee | 0% – 8% of the amount, lender-specific; included in the APR |
| Late payment fee | Typically $15 – $30 or 5% of the payment, after a grace period |
| Returned payment fee | Typically $15 – $25 |
| Prepayment penalty | None with most network lenders |
| Same-day funding fee | $0 – $10 where offered (optional) |
Exact fees are set by each lender and appear in the Truth in Lending disclosure before you sign. Late and returned-payment fees apply only if a payment is missed or bounces.
What a typical loan costs in each tier
Illustrations at common amounts and terms for each credit band. Not offers; your lender's figures may differ.
What the numbers mean
The annual percentage rate combines the interest rate and required fees such as an origination fee, spread over the term. Compare offers by APR at the same term; it is the only figure that captures total cost.
Your rate and monthly payment do not change during the loan. The only way the total changes is if you pay early (less interest) or pay late (fees).
Where a state caps rates, amounts or terms, lenders comply with the cap. That is why maximums differ by state. See loans by state.
Missing a payment can add a lender fee and, after 30 days, a late mark on your credit report. Contact the lender before the due date if you need a date change; most offer one.
Rates and terms: questions
Fixed rates, fees, early payoff and what True Finance charges.
Are these my rates?
No. They are the ranges lenders in our network publish. Your APR is set by the lender after reviewing your request and is shown before you sign.
Is the APR fixed?
Yes. Personal loans through True Finance have fixed APRs and fixed monthly payments for the full term.
What fees can a lender charge?
An origination fee (0–8% of the amount, included in the APR), late fees (typically $15–$30 or 5% of the payment) and returned-payment fees ($15–$25). No lender in our network charges a fee to apply or to receive funds.
Can I repay early?
Most network lenders allow early payoff with no prepayment penalty. It is stated in each agreement.
Does True Finance charge anything?
No. We are paid by lenders when a connection is made. You never pay us.
Why is my state's maximum different?
State law caps small-loan rates, amounts or terms. Lenders adjust to those caps. See loans by state.
See your actual rate
Request $200–$5,000 and view real APRs with a soft check. No fee, no obligation.