Adding a co-borrower with sufficient income using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly or showing proof of sufficient retirement savings, could help you also qualify for the lower rates. Loan origination fees vary from 1.99% to 5.99%.
Example loan: four-year $20,000 loan with a rate of 15.49% and corresponding APR of 18.34%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount of $12,000.00 or less, and a term of 24 months. Repayment periods range from 24 to 60 months. APRs range from 7.99 to 35.99% and include applicable origination fees. Loan amounts generally range from $5,000 to $50,000, vary by state and are offered based on meeting underwriting conditions and loan purpose. Minimum loan amounts vary due to state specific legal restrictions. Loans are not available to residents of all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank or Pathward®, N.A., Equal Housing Lenders and may not be available in all states.
Terms and conditions apply to each, and not all are available in every state. We do not collect any fees or other compensation from consumers.Īny financial solutions for which you may be evaluated for are offered by Service Providers with which we are affiliated and/or compensated by who participate on our website. We may take applications for our affiliates, but we do not make credit decisions, originate loans, process consumer loan or bill payments, or provide any other financial services.
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