Personal loan
Upgrade: personal loan terms and fees
Personal loans with fee deductions and discount conditions to compare.
Product details and conditions
Repayment and APR
Published repayment terms are 24–84 months, with APRs of 7.74%–35.99%. Approval and available offers depend on the applicant.
Personal loan — official product terms ↓Origination fee
The published 1.85%–9.99% origination fee is deducted from loan proceeds, reducing the amount received.
Personal loan — official product terms ↓Lowest-rate conditions
The lowest advertised rates require AutoPay and paying some existing debt directly. Certain discounts may require collateral; offers vary by state and applicant.
Personal loan — official product terms ↓Joint applications and payoff
Joint applications are accepted, and both applicants are responsible for repayment. The page states there is no early-payoff fee.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24