Rates & fees
Personal loans for borrowers in the US and Canada. Every offer shows your exact APR, monthly payment and total cost before you sign.
| Loan amounts | $1,000 – $35,000 |
| APR range (US) | 9.99% – 35.99% fixed |
| APR range (Canada) | 9.99% – 34.99% fixed |
| Terms | 12, 24, 36, 48 or 60 months |
| Origination fee | $0 |
| Prepayment penalty | None — pay early anytime |
| Late fee | $25 if a payment is more than 10 days late (10-day grace period) |
US loans are in US dollars (USD); Canadian loans are in Canadian dollars (CAD).
Representative example
A $10,000 loan over 36 months at 14.99% APR has 35 monthly payments of $346.60 and a final payment of $346.78. Total repaid: $12,477.78, including $2,477.78 of interest. No fees.
What affects my rate?
Your rate depends on factors such as your income, existing debts, and the amount and term you choose. Rates for Canadian borrowers never exceed 34.99% APR.
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