Rates & terms

Rates, terms, and disclosures.

Rates effective August 17, 2026.

Every figure on this page is produced by the same pricing engine that quotes your loan. Fixed APRs run 7.24%–24.89% with AutoPay¹ (7.74%–25.39% without), with no origination fee and no prepayment penalty.

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Checking your rate does not affect your credit score.

Every rate, by purpose and profile.

Rows are loan categories and their term bands; columns are the four credit tiers. Figures are the advertised fixed APR with the AutoPay discount applied.

Fixed annual percentage rate by loan category, term length, and credit tier, shown with the AutoPay discount applied.
Loan term	Excellent780 +	Very good720–779	Good660–719	Fairbelow 660
01Auto
2–3 yr	7.99%	10.49%	13.49%	18.99%
3.1–4 yr	8.79%	11.29%	14.29%	19.79%
4.1–6 yr	9.69%	12.19%	15.19%	20.69%
6.1–12 yr	10.79%	13.29%	16.29%	21.79%
02Home improvement
2–3 yr	7.24%	9.74%	12.74%	18.24%
3.1–4 yr	8.04%	10.54%	13.54%	19.04%
4.1–6 yr	8.94%	11.44%	14.44%	19.94%
6.1–12 yr	10.04%	12.54%	15.54%	21.04%
12.1–20 yr	11.44%	13.94%	16.94%	22.44%
03Recreation
2–3 yr	8.74%	11.24%	14.24%	19.74%
3.1–4 yr	9.54%	12.04%	15.04%	20.54%
4.1–6 yr	10.44%	12.94%	15.94%	21.44%
6.1–12 yr	11.54%	14.04%	17.04%	22.54%
04Family
2–3 yr	8.49%	10.99%	13.99%	19.49%
3.1–4 yr	9.29%	11.79%	14.79%	20.29%
4.1–6 yr	10.19%	12.69%	15.69%	21.19%
6.1–12 yr	11.29%	13.79%	16.79%	22.29%
05Anything else
2–3 yr	9.49%	11.99%	14.99%	20.49%
3.1–4 yr	10.29%	12.79%	15.79%	21.29%
4.1–6 yr	11.19%	13.69%	16.69%	22.19%
6.1–12 yr	12.29%	14.79%	17.79%	23.29%
12.1–20 yr	13.69%	16.19%	19.19%	24.69%

Rates shown include the 0.50% AutoPay discount. Without AutoPay, each rate is 0.50% percentage points higher.¹ Figures reflect each category’s base rate; the rate quoted for a specific purpose may differ by a small adjustment.

How pricing works

How your rate is determined.

Your fixed APR is built from four inputs, then held within the advertised range. The purpose category and term set the base; your credit does most of the work; AutoPay takes the last step down.

01
The loan purpose and its category.
Every purpose belongs to one of five categories, and each category carries its own base rate. A small adjustment for the specific purpose — a classic car versus a new car, say — is applied on top of that base.
02
The length of the loan.
Longer terms price higher. The rate steps up across the term bands in the table above, so a 24–36 mo loan prices below a 145–240 mo one.
03
Your credit profile.
Four credit tiers set the largest single part of your rate, from excellent (780 +) down to fair (below 660). The lowest advertised rate requires excellent credit.
04
AutoPay enrollment.
Enrolling in automatic payments before your loan funds lowers your fixed rate by 0.50%. Every APR in the table above already includes this discount.

AutoPay

The AutoPay discount.

Every rate on this page includes a 0.50% AutoPay discount. It is applied by enrolling in automatic payments from a bank account before your loan funds — the one discount that has to be set up prior to funding.

With AutoPay: 7.24%–24.89%
Without AutoPay: 7.74%–25.39%

Advertised APR ranges, excellent to fair credit. The AutoPay discount is only available prior to loan funding.¹

Worked example

A payment example.

A $10,000 loan at the advertised floor APR, over 36 months. The monthly payment is computed by the amortization engine — the exact figures a borrower would see, not a rounded illustration.

The monthly payment is P · r ÷ (1 − (1 + r)⁻ⁿ), where P is the principal, r is the APR divided by twelve, and n is the term in months.

Loan amount: $10,000
Fixed APR: 7.24%¹
Loan term: 36 months
Monthly payment: $309.87
Total interest: $1,155.30
Total of payments: $11,155.30

Eligibility

Eligibility.

Loan amount: $3,000 to $100,000, depending on the loan purpose.
Loan term: 24 to 240 months, depending on the loan purpose and amount.²
Credit profile: Fixed rates are offered across four credit tiers. The lowest advertised rate requires excellent credit (780 +).
Funding: Funds can be received as soon as the same business day when your application is approved before 2:30 p.m. Eastern time.³
Checking your rate: Estimating your rate is a soft inquiry and does not affect your credit score. A hard credit inquiry is made only when you submit a full application.
Residency: Available to individual applicants who are United States citizens or permanent residents. Additional conditions and verification apply.

Fees

Fees.

Origination fee: None. The rate is the cost; nothing is added at closing or deducted from your proceeds.
Prepayment penalty: None. You may pay ahead, or pay the loan off in full at any time, without a fee.
Application fee: None. Checking your rate and applying are free.
Late or returned payment: A fee may apply to a late or returned payment, as set out in your loan agreement.

State notices

State-specific notices.

Some states require specific disclosures. Where they apply, the notice below and any others required by your state are included with your loan agreement.

Florida documentary stamp tax.

Florida law imposes a documentary stamp tax on written obligations to pay money that are signed, executed, or delivered in Florida. Where this tax applies to your loan, it is disclosed and collected at closing in the amount required by Florida law.

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