Rates & fees
Our loans range from 9.99% to 34.99% APR on approved credit. No rate we offer or show exceeds 35% APR.
Last updated November 1, 2026
How your rate is set
Your APR depends on your credit history, income, existing debts, the amount and the term. You’ll see your exact APR, payment and total cost before you agree to anything.
APR range
9.99% to 34.99%
On approved credit. Never above 35% APR.
Examples
Representative examples
At our representative APR of 29.99%, monthly payments.
| Amount | Term | APR | Monthly payment | Cost of borrowing | Total repaid |
|---|---|---|---|---|---|
| $2,000 | 12 months | 29.99% | $194.96 | $339.52 | $2,339.52 |
| $5,000 | 36 months | 29.99% | $212.23 | $2,640.28 | $7,640.28 |
| $12,000 | 60 months | 29.99% | $388.17 | $11,290.20 | $23,290.20 |
Fees
| Fee | Amount |
|---|---|
| Application fee | [None] |
| Origination fee | [None] |
| Prepayment penalty | None |
| Missed or returned payment | [$ amount] |
To confirm: Counsel confirms which fees count toward APR under the Criminal Code definition.
Paying early
You can pay extra, or pay off your whole loan, at any time with no penalty. Interest stops on the amount you repay.
What “cost of borrowing” means
The cost of borrowing is everything you pay beyond the amount you borrowed: interest plus any charges included in the APR. It’s shown in dollars on your offer and agreement.