Rates & Fees / APR

This page summarizes the rates, fees, and repayment terms that may apply to short-term personal loans offered through our network of lenders.

Annual Percentage Rate (APR)

The APR is the yearly cost of borrowing and includes interest and certain fees. Representative APRs for loans in our network generally range from 5.99% to 35.99%. Your actual APR depends on your credit profile, income, and state of residence.

Loan amounts and terms

Loan amounts typically range from $100 to $5,000. Repayment terms generally run from 3 to 24 months, with fixed monthly payments. Most offers have no prepayment penalty, so you can pay the loan off early without extra cost.

Example

Example: a $3,000 loan over 18 months at a 21.9% APR would require about 18 monthly payments of $182. The total amount you repay would be about $3,276.

Fees

• Most offers do not include an origination fee.
• Late payment fees may be charged by a lender if you miss a due date.
• Check your specific offer for any fees that apply to your loan.

Other considerations

Short-term loans are not long-term financial solutions and may be more expensive than other credit products. Review every offer's APR, monthly payment, and total cost before signing.

Contact us

For questions about rates and fees, email info@swiftlenderhub.com.