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Rates and Fees is not a lender.  We provide a free service that aims to connect customers reputable lenders who offer a variety of personal loan options. We created this online service to provide customers with a convenient solution to request a personal loan from a network of reputable lenders.

The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender at the time of approval. Upon the conclusion of lender approval, most lenders will direct you to an e-signature page that they provide.

Disclosure of Terms

The lender provides documents that contain all fees and rate information pertaining to the loan being offered to you. Please review the fee and rate information provided to you by your lender thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept a loan offer. The loan fees and interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. has no control or knowledge of the loan details between you and your lender. You are under no obligation to continue with the loan request if you don’t agree with the lender’s terms.

Repayment Terms

Most lenders allow you to set up an automatic repayment plan, wherein the lender debits your bank account on the day(s) the loan is due. This eliminates the chance of forgetting to get a check in the mail on time and thereby incurring late fees. All of this information will be part of your loan agreement that should be read thoroughly prior to signing, so the process is very straightforward.

Representative APR Range

It is important to note that is not a lender. We simply connect consumers in need of a flexible credit solution with a network of reputable personal loan lenders. Each state has its own set of rules and regulations that govern the personal loan lenders. Loan amount, repayment terms, and APR will vary based on consumer creditworthiness, state, and lender.

The APR on a personal loan can range from 5.99% to 35.99% 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, if applicable. has no control or knowledge of the loan details between you and your lender. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline.

Loan Renewal Policy

Where rollovers, or repayment term extensions, are allowed, interest rates, along with any late fees that may be assessed, can add a substantial dollar amount to the end price of your loan. Read the lender’s terms in full regarding loan renewal options before deciding whether or not to accept the personal loan offer.

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