LOANS
Real rates. Real terms. No required fees.
Fixed-rate loans from 4.99% to 29.49% APR. Every rate below includes the 0.25% autopay and 0.25% direct deposit discounts.
View your rateChecking your rate won't affect your credit score
Rates, fees and repayment terms
| Product | Fixed APR | Amount | Terms | Fees |
|---|---|---|---|---|
| Personal Loan Fixed rate. 0.25% autopay discount and 0.25% direct deposit discount included in the lowest rate. | 5.99% – 17.99% | $5,000.00 – $100,000.00 | 2 – 7 years | No origination fee, no prepayment penalty, no late fee |
| Student Loan Refinancing Fixed rates shown. Variable rates from 3.99% APR, capped at 9.95%. | 3.49% – 7.49% | $5,000.00 – $300,000.00 | 5 – 20 years | No application fee, no origination fee, no prepayment penalty |
| Home Equity Loan Borrow up to 90% of your home value. Property insurance required. | 5.25% – 9.75% | $25,000.00 – $500,000.00 | 10 – 30 years | Third-party closing costs 2%–5% of the loan amount |
| Auto Loan Refinance Vehicle must be 10 model years old or newer with under 125,000 miles. | 4.24% – 11.99% | $5,000.00 – $100,000.00 | 2 – 6 years | No application fee. State title and registration fees may apply. |
Payment calculator
Personal loan estimate — not a credit decision.
Repayment term
Monthly payment
$429.78
Fixed APR
10.49%
Total interest
$5,786.74
Your repayment schedule
$20,000.00 over 60 months at 10.49% APR — $429.78 due on the same day each month, first payment one month after the money lands.
| # | Payment | Interest | Principal | Balance left |
|---|---|---|---|---|
| 1 | $429.78 | $174.83 | $254.95 | $19,745.05 |
| 2 | $429.78 | $172.60 | $257.17 | $19,487.88 |
| 3 | $429.78 | $170.36 | $259.42 | $19,228.46 |
| 4 | $429.78 | $168.09 | $261.69 | $18,966.77 |
| 5 | $429.78 | $165.80 | $263.98 | $18,702.79 |
| 6 | $429.78 | $163.49 | $266.29 | $18,436.50 |
| 7 | $429.78 | $161.17 | $268.61 | $18,167.89 |
| 8 | $429.78 | $158.82 | $270.96 | $17,896.93 |
| 9 | $429.78 | $156.45 | $273.33 | $17,623.60 |
| 10 | $429.78 | $154.06 | $275.72 | $17,347.88 |
| 11 | $429.78 | $151.65 | $278.13 | $17,069.75 |
| 12 | $429.78 | $149.22 | $280.56 | $16,789.19 |
| 13 | $429.78 | $146.77 | $283.01 | $16,506.18 |
| 14 | $429.78 | $144.29 | $285.49 | $16,220.69 |
| 15 | $429.78 | $141.80 | $287.98 | $15,932.71 |
| 16 | $429.78 | $139.28 | $290.50 | $15,642.21 |
| 17 | $429.78 | $136.74 | $293.04 | $15,349.17 |
| 18 | $429.78 | $134.18 | $295.60 | $15,053.56 |
| 19 | $429.78 | $131.59 | $298.19 | $14,755.38 |
| 20 | $429.78 | $128.99 | $300.79 | $14,454.59 |
| 21 | $429.78 | $126.36 | $303.42 | $14,151.16 |
| 22 | $429.78 | $123.70 | $306.07 | $13,845.09 |
| 23 | $429.78 | $121.03 | $308.75 | $13,536.34 |
| 24 | $429.78 | $118.33 | $311.45 | $13,224.89 |
| 25 | $429.78 | $115.61 | $314.17 | $12,910.72 |
| 26 | $429.78 | $112.86 | $316.92 | $12,593.80 |
| 27 | $429.78 | $110.09 | $319.69 | $12,274.11 |
| 28 | $429.78 | $107.30 | $322.48 | $11,951.63 |
| 29 | $429.78 | $104.48 | $325.30 | $11,626.33 |
| 30 | $429.78 | $101.63 | $328.15 | $11,298.18 |
| 31 | $429.78 | $98.76 | $331.01 | $10,967.17 |
| 32 | $429.78 | $95.87 | $333.91 | $10,633.26 |
| 33 | $429.78 | $92.95 | $336.83 | $10,296.44 |
| 34 | $429.78 | $90.01 | $339.77 | $9,956.67 |
| 35 | $429.78 | $87.04 | $342.74 | $9,613.92 |
| 36 | $429.78 | $84.04 | $345.74 | $9,268.19 |
| 37 | $429.78 | $81.02 | $348.76 | $8,919.43 |
| 38 | $429.78 | $77.97 | $351.81 | $8,567.62 |
| 39 | $429.78 | $74.90 | $354.88 | $8,212.74 |
| 40 | $429.78 | $71.79 | $357.99 | $7,854.75 |
| 41 | $429.78 | $68.66 | $361.12 | $7,493.63 |
| 42 | $429.78 | $65.51 | $364.27 | $7,129.36 |
| 43 | $429.78 | $62.32 | $367.46 | $6,761.91 |
| 44 | $429.78 | $59.11 | $370.67 | $6,391.24 |
| 45 | $429.78 | $55.87 | $373.91 | $6,017.33 |
| 46 | $429.78 | $52.60 | $377.18 | $5,640.15 |
| 47 | $429.78 | $49.30 | $380.47 | $5,259.68 |
| 48 | $429.78 | $45.98 | $383.80 | $4,875.88 |
| 49 | $429.78 | $42.62 | $387.16 | $4,488.72 |
| 50 | $429.78 | $39.24 | $390.54 | $4,098.18 |
| 51 | $429.78 | $35.82 | $393.95 | $3,704.23 |
| 52 | $429.78 | $32.38 | $397.40 | $3,306.83 |
| 53 | $429.78 | $28.91 | $400.87 | $2,905.96 |
| 54 | $429.78 | $25.40 | $404.38 | $2,501.58 |
| 55 | $429.78 | $21.87 | $407.91 | $2,093.67 |
| 56 | $429.78 | $18.30 | $411.48 | $1,682.19 |
| 57 | $429.78 | $14.71 | $415.07 | $1,267.12 |
| 58 | $429.78 | $11.08 | $418.70 | $848.42 |
| 59 | $429.78 | $7.42 | $422.36 | $426.05 |
| 60 | $429.78 | $3.72 | $426.05 | $0.00 |
Fees and charges
Personal Loan
No origination fee, no prepayment penalty, no late fee
Repaid monthly over 2–7 years · first payment 30 days after funding · pay off early any time at no extra cost.
Student Loan Refinancing
No application fee, no origination fee, no prepayment penalty
Repaid monthly over 5–20 years · first payment 30 days after funding · pay off early any time at no extra cost.
Home Equity Loan
Third-party closing costs 2%–5% of the loan amount
Repaid monthly over 10–30 years · first payment 30 days after funding · pay off early any time at no extra cost.
Auto Loan Refinance
No application fee. State title and registration fees may apply.
Repaid monthly over 2–6 years · first payment 30 days after funding · pay off early any time at no extra cost.
Who qualifies
- US citizen, permanent resident or eligible visa holder aged 18+
- Minimum credit score of 680 and a verifiable source of income
- Employed, have sufficient income from other sources, or an offer of employment
- Checking your rate takes 2 minutes with a soft credit pull only
Example: a $20,000.00 personal loan over 5 years at 12.49% APR has 60 monthly payments of $449.86. Rates shown assume excellent credit and include a 0.25% autopay and 0.25% direct deposit discount. Your actual rate depends on credit history, income, term and amount.