APR stands for Annual Percentage Rate. It’s a comprehensive measure that includes both the interest rate and any additional fees or charges. While the interest rate is what you pay to borrow the principal amount, the APR provides a more complete picture of how much the loan will cost you in total per year.

Yes, your credit score plays a critical role in determining your interest rate. If you need to build your credit score, consider getting a secured credit card and making regular, on-time payments.

We keep our fees simple and straightforward. You’ll always know what you need to pay, helping you avoid any additional charges.

There are a few things you can do to improve your chances of getting a lower rate, including:

• Improving your credit score
• Borrowing less money
• Choosing a shorter loan term
• Choosing a secured loan

The benefits of a fixed-rate personal loan include:

• You know exactly how much you will pay each month.
• You can budget more easily.
• You are less likely to be surprised by changes in your monthly payment.