Fast, transparent personal loans with zero fees and a fixed rate from 6.99% APR. Seeing your rate is free, takes about a minute, and won't affect your credit score.
No fees. Really. No origination fees, no prepayment penalties, no late fees — the rate we quote is the complete cost of your loan.
One fixed rate, start to finish. 6.99%–24.99% APR, locked at signing. Your payment on the final month equals your first.
Checking won't affect your credit score. We use a soft pull to show your rate — a hard inquiry happens only if you accept an offer.
Funds as fast as the next business day. And if you change your mind within 30 days, return the funds and pay no interest.
Approval is not guaranteed and depends on credit history, income, and debt-to-income ratio verified during the application. Loans $200–$5,000, terms 12–60 months, fixed 6.99%–24.99% APR — full details on our rates & terms page. Loan proceeds may not be used for post-secondary education or to pay Capital One accounts. Loans issued by Discover Bank, Member FDIC. See our terms of use and disclosures.