Loan Rates & Fees
Last Updated: March 1, 2025
The following information is provided to help you understand the potential cost of a personal loan obtained through our lender network. Actual rates and fees are determined solely by the lender and will be disclosed to you before you accept any offer.
Annual Percentage Rate (APR)
- Range: 5.99% – 35.99% APR
- APR includes the interest rate plus any lender fees expressed as a yearly rate.
- Your actual APR depends on your credit score, income, loan amount, term, and lender-specific criteria.
- Short-term or small-dollar loans may carry higher effective APRs.
Loan Amounts & Terms
- Loan amounts: $100 – $50,000
- Repayment terms: 61 days – 72 months
- Not all loan amounts or terms are available from all lenders or in all states.
Common Fees
Fees vary by lender. You may encounter:
- Origination fee: 0% – 8% of the loan amount (some lenders charge none).
- Late payment fee: Varies by lender and state law.
- Prepayment penalty: Most personal loans have no prepayment penalty, but confirm with your lender.
- Returned payment fee: May apply if a payment is returned due to insufficient funds.
Representative Cost Example
| Borrowed | APR | Term | Monthly | Total |
|---|---|---|---|---|
| $1,000 | 15% | 12 mo | $90.26 | $1,083.10 |
| $2,500 | 15% | 24 mo | $121.24 | $2,909.76 |
| $5,000 | 15% | 48 mo | $139.15 | $6,679.20 |
These are illustrative examples only. Your actual costs will differ.
Our Service Fee
SecureLoan does not charge you any fee for using our matching service. We are compensated by lenders when a connection is made. See our Affiliate Disclosure for details.
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