Where borrowing costs sit
A rate only means something next to the alternatives. Here is the range of our loans against two common reference points.
PAL cap set by the National Credit Union Administration. Payday figure is the Consumer Financial Protection Bureau's example of a two-week loan costing $15 per $100. The scale is cut short on the right.
Six ways to a lower rate
None of these is a trick. They are the things a lender looks at, in your favor.
See your real number first
Checking your rate with us uses a soft inquiry, so you can look without any effect on your credit score, then decide whether it beats what you have.
Pay down card balances
Using less of your available credit is one of the quickest ways to strengthen a credit profile. More in how to improve your credit score quickly.
Borrow only what you need
Loans start at $200. A smaller loan is less to pay interest on.
Choose the shortest term you can afford
The payment is higher, but you pay interest for fewer months.
Check your credit reports
You can get them free at AnnualCreditReport.com. Dispute anything that isn't yours.
- Compare alternatives
Compare a credit union
If you belong to a federal credit union, ask about a payday alternative loan. They are capped at 28% APR and may cost less than ours.
Compare before you commit
A low rate from us is only a good deal if it beats your other options. Take the offer we show you and set it against a credit union loan or the rate on a card you already hold.
- Your offer shows the APR, the monthly payment, and the total you'd repay.
- You can walk away at no cost if the numbers don't work.
Common questions
What counts as a low-interest personal loan?
There is no official cut-off. Our fixed APRs start at 5.99% and go up to 35.99%. For comparison, federal credit unions cap payday alternative loans at 28% APR.
Who gets the lowest rates?
The lowest rates go to applicants with a strong credit history and income that comfortably covers their existing debts. Your state also plays a part.
Will my rate change after I sign?
No. Your APR is fixed for the life of the loan, so every monthly payment is the same amount. Read fixed-rate personal loans, explained.
Does checking my rate affect my credit score?
No. Checking your rate uses a soft credit inquiry. A hard inquiry may be made only if you accept an offer.
See the rate you qualify for
About three minutes, a soft credit check, and no obligation to accept.