The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for an online personal loan.
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At least 18 years of age. A US residence with a valid bank account. Employed for at least 90 days with the same employer. A valid phone number. You may get an online personal loan even if you have been turned down by banks and credit card companies in the past. We may successfully connect the users who provide their information via our online form and request to be connected with one of our lenders. General qualification requirements are the following: • You must be at least 18 years of age, have a regular source of income and live in the United States. Those receiving benefits also qualify; • You must have a working telephone number and email address, and you must have a bank account in your name; • You must be employed for at least 90 consecutive days with the same employer or receive benefits (i.e. have a regular source of income) and meet minimum income guidelines.
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