7.04% To 35.89% APR Zero Prepayment Or Application Fees

How We Determine Your APR

We determine your annual percentage rate (APR) based on several factors, such as your credit history and rating, the amount you want to borrow, and your total debt-to-income ratio. We then present you with a loan offer(s) based on what you can qualify for right now. Because our average APRs are lower than the average credit card APR, our members save money while improving their credit. On average, members save nearly $1,000 in finance charges—and many see their credit scores increase—over the course of their personal loan.1,2

How Rates & Fees Work

Monthly Payment Examples

Term Loan Amount Interest Rate Origination Fee APR Amount Deposited Monthly Payment
36 Months $6,000 9.56% $300 13.11% $5,700 $192.37
60 Months $20,000 10.19% $1,200 12.90% $18,800 $462.81

*Your actual monthly payment will vary based on the terms and conditions of your loan offer (which includes your APR, loan amount, term, and origination fee). The example above is provided for illustrative purposes only; your experience may be different.*

On average, personal loans from Our Company are offered at an APR of 15.95% with an origination fee of 5.00% and a principal amount of $15,800 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data from 1/1/21 to 4/12/21. For credit card purchases made in March 2021, the average APR was 20.29%, according to publicly available information published by If you pay off a credit card balance of $15,010 with an APR of 15.95% over 36 equal monthly payments, you will pay $5,152 in total finance charges. If you obtain a loan with a term of 36 months and an amount financed of $15,010 (principal amount of $15,800 with an origination fee of $790) at 15.95% APR, you will pay $3,975 in total finance charges over the term of the loan, a savings of $1,177 as compared to the average credit card.

Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, and loan term length.

A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states.

APR ranges from 7.04% to 35.89% and is determined at the time of application. Origination fee ranges from 3% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of 7/1/21 and are subject to change without notice.

Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history.

Unless otherwise specified, all loans and deposit products are provided by Our Company & Chase Bank, N.A., Member FDIC, Equal Housing Lender (“Our Company & Chase Bank”), a wholly-owned subsidiary of Our Company Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment. Only deposit products are FDIC insured.

“Our Company” and the “LC” symbol, and “Radius” and the “R” symbol, are trademarks of Our Company & Chase Bank.