Understand the numbers before you decide
Your personalized rate and terms depend on creditworthiness, income, requested amount, term, and state requirements. The examples below are educational, not offers of credit.
Illustrative product range
Final availability and terms can vary. Your agreement is the controlling document.
| Feature | Illustrative range | What it means |
|---|---|---|
| Loan amount | $500–$50,000 | The amount approved and funded. |
| Repayment term | 24–60 months | The scheduled time to repay the loan. |
| APR | Personalized by offer | The annualized cost including certain finance charges. |
| Payment type | Fixed installments | Scheduled payments defined in your agreement. |
| Collateral | Not required | The personal loan is unsecured. |
Payment calculator
An illustrative estimate using 14.9% APR. Your actual offer may differ.
A $10,000 example
At 14.9% APR over 36 months, the estimated monthly payment is approximately $346.16 and estimated total repayment is approximately $12,461.90.
$10,000 principal
The starting amount borrowed.
14.9% illustrative APR
The annualized cost used for this example.
36 monthly payments
The example repayment period.
Four numbers to review
APR
A standardized way to compare annualized borrowing cost.
Finance charge
The dollar amount the credit is expected to cost.
Monthly payment
The scheduled amount due, subject to the agreement.
Total of payments
The total amount paid when all scheduled payments are made.
Rates and payment FAQs
Is the calculator a loan offer?
No. It is an educational estimate. A real offer requires an application, verification, underwriting, and state eligibility.
Why might my APR differ?
Rates can reflect credit history, income, debt obligations, amount, term, and other underwriting factors.
Are there fees?
Any applicable origination or other charges will be disclosed before acceptance. Review your agreement carefully.