Our Rates and Fees

TotalPersonalLoan does not charge a fee to connect borrowers with lenders from its lending network. Our service is completely free.

We are not an actual lender, and therefore do not make credit decisions or determine actual APRs. The lender you are ultimately connected with will present the following with every loan offer as required by the Truth in Lending Act: Loan Amount, Annual Percentage Rate (APR) and the terms of repayment, among other information regarding your loan. You are not under any obligation to accept a loan agreement.

Terms

A number of factors can impact the rates associated with your loan, including loan amount, repayment period, the state you live in and possibly your credit score.

Personal Loan Costs

The cost of a personal loan varies based on factors related to your application, including the state you reside in, the lender you are connected with, how much you are borrowing, and the repayment terms of the loan. Your credit score may also be taken into consideration.


Below is a general range of terms:

  • Loan amount: $100 – $35,000
  • Lending period: 6 - 72 months
  • Payment frequency: Once a month or twice a month
  • APR: Will vary based on your credit score, repayment history and other factors
  • Prepayment penalty: None

Representative Examples

Amount Period APR Monthly Total Paid
$2,000 24 month 12% $94.15 $2,259.60
$2,000 24 month 24% $105.74 $2,537.76
$2,000 24 month 35.99% $118.09 $2,834.16

Implications of Late Payments

It is important to understand the consequences of making late payments on your loan. Each lender has its own policies on how to handle late payments as governed by state regulations.

We strongly recommend that you review all the documentation provided by the lender before signing the loan agreement to understand any potential fees and penalties resulting from late payment.


Implications of Non-payment

It is important to understand the consequences of non-payment on your loan. This could result in additional fees and collection activities including legal action. Each lender has its own policies on how to handle non-payments as governed by state regulations.

We strongly recommend that you review all the documentation provided by the lender before signing the loan agreement to understand any potential fees and penalties resulting from non-payment. Lenders within our network must observe FTC policies and practice fair debt collection.



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