Personal loans
One fixed payment. One clear path forward.
Get a lump sum for the expense in front of you, then repay it in predictable monthly installments.
Checking your rate won’t affect your credit score.
At a glance
- Loan amount
- $5,000 – $250,000
- APR range
- 59% – 160%
- Repayment term
- 9 – 18 months
- Application fee
- $0
- Origination fee
- $0
- Prepayment penalty
- $0
Your amount, APR and term are set by your income, credit profile, ability to repay and the law of your state. Your exact terms are shown in your offer and in the loan agreement you sign before any funds are disbursed.
Predictable
Your scheduled payment stays the same through the loan term.
Flexible timing
Choose from the available term shown in your personalized offer.
Fast process
Apply online and receive a decision without branch visits.
What you can expect
Straightforward from start to finish.
Complete the application
Share your requested amount, contact details, address, and income.
Review your personalized offer
See your approved amount, APR, term, and monthly payment before continuing.
Track repayment online
Use your account to see the balance, due date, and payment history.
Before you apply
Have these details ready to keep the process moving:
- Your contact information and home address
- Your employment or income source
- Your monthly income after taxes
- An active Fast Access account to view your offer
Common loan uses
For planned needs and unexpected moments.
Personal loan questions
Will checking my rate hurt my credit score?
No. The initial rate check is designed not to affect your credit score.
Can I pay my loan off early?
Yes. You can pay ahead or pay your balance in full at any time with no fee or prepayment penalty.
When could funds arrive?
Funding timing depends on final approval and bank processing. Approved funds may arrive as soon as the next business day.
Are these final rates?
Your final rate, amount and term are confirmed in the offer we send you after review. Nothing is binding until you accept that offer.
Rates, fees and repayment terms
- Annual Percentage Rate (APR)
- Fast Access personal loans carry a fixed APR from 59% to 160%. Your APR is set by your income, credit profile, requested amount, term and the law of your state, and it does not change over the life of the loan. Representative example: a $5,000 loan at 59% APR repaid over 18 months has a monthly payment of $420.00, a total of payments of $7,560.00 and a finance charge of $2,560.00.
- Fees
- There is no application fee, no origination fee, no fee to accept your offer and no prepayment penalty. A returned payment fee of $15 may apply if your bank returns a payment unpaid, and a late fee of $15 may apply if a scheduled payment is more than 10 days past due, where state law permits. No other fees apply.
- Repayment
- Loans are repaid in equal monthly installments over 9 to 18 months. Your first payment is due approximately one month after your funds are disbursed. Payments are collected by electronic transfer from the deposit account on your application, and each payment is applied to accrued interest, then fees, then principal. You may pay ahead or pay in full at any time and reduce the interest you owe.
- Approval and your agreement
- Not everyone who applies will qualify, and amounts, rates and terms vary by applicant and by state. Applying does not create a loan. Your exact amount, APR, term, monthly payment, total of payments and finance charge are set out in the loan agreement you review and sign electronically after approval; funds are only disbursed once that agreement is signed.
- Missed payments
- Late or missed payments increase the interest you pay and may be reported to consumer reporting agencies, which can affect your credit. If you expect to miss a payment, contact us before your due date so we can discuss your options.
See your personal loan options.
A quick rate check starts with a few simple details.