Rates in plain numbers, fees you can count
The full APR range, real payment examples, and a complete list of what isn't charged. Your own offer depends on your credit and the amount financed.
Soft credit check · No impact to your credit score
Based on the amount requested and your creditworthiness. 0% APR is available to qualified borrowers.
Payment examples at 0% APR
What a 0% plan looks like at common amounts. Illustrative only — not an offer of credit.
| Amount | 12 months | 24 months | 36 months |
|---|---|---|---|
| $500 | $42 / 12 mo | $22 / 24 mo | — |
| $1,000 | $83 / 12 mo | $42 / 24 mo | $32 / 36 mo |
| $2,500 | $208 / 12 mo | $104 / 24 mo | $81 / 36 mo |
| $5,000 | $417 / 12 mo | $208 / 24 mo | $161 / 36 mo |
Figures assume a 0% APR promotional plan and are rounded. 0% APR is available to qualified borrowers only; APRs range from 0% to 35.9% based on the amount requested and creditworthiness. Terms range from 3 to 60 months and may vary by lending partner or transaction size. State interest rate caps may apply. These examples are illustrative and are not an offer of credit.
What we don't charge
The absence of these matters as much as the APR itself.
No origination fee
Nothing deducted upfront — you finance the full amount of the job.
No prepayment penalty
Pay off early whenever you like and stop paying interest.
No late fees
A missed payment doesn't add a penalty charge to your balance.
No participation fees
No monthly or annual charge simply for having the loan.
No deferred interest
A 0% APR plan means 0% — nothing accrues in the background.
No cost to apply
Checking your rate is free and uses a soft credit inquiry.
How your rate is decided
There's no single credit score cutoff. Several things are weighed together when your offers are generated:
- Your overall credit profile — history and existing obligations, not a score alone
- The amount you're financing — larger amounts are assessed differently from small ones
- The term you choose — shorter terms often carry lower rates
- The lending partner and transaction — promotional offers vary, and not all partners participate in 0% programmes
Why the range is so wide
A range of 0% to 35.9% covers very different borrowers. Someone with a strong profile financing a modest amount over a short term sits at one end; someone with limited credit history financing more over a longer term sits at the other. Neither figure tells you much about your own offer — which is why checking is worthwhile, and why it's designed to cost you nothing.
Comparing this to other options
The upper end of the range overlaps with typical credit card rates, so the meaningful comparison isn't category against category — it's your specific offer against your specific alternative. Our guide to financing options compares six routes, and seven signs of a fair deal covers what to check in any offer.
Rates and fees — common questions
Your APR depends on your creditworthiness, the amount financed, and the plan you choose. The published range is 0% to 35.9%. The only way to know your actual rate is to check, which uses a soft credit inquiry and doesn't affect your score.
Promotional 0% APR offers are available to qualified borrowers and typically appear on shorter terms. Not every applicant or plan will include a 0% option, and availability can depend on the amount financed and the lending partner.
There are no origination fees, no prepaid finance charges, no participation fees, no late fees, and no prepayment penalty. The APR and payment schedule you accept are what you pay.
Usually yes. A longer term lowers the monthly payment but means borrowing for longer, so unless you're on a 0% APR plan the total repaid generally increases. Compare the total of payments, not just the monthly figure.
No. Loans use simple interest on a fixed schedule, so interest isn't charged on previously accrued interest the way a revolving credit card balance can be.
No. Your APR and monthly payment are fixed when you accept. There's no variable rate and no promotional period that expires into a higher rate.
See your actual rate
The published range is wide. Your personalised offer takes about two minutes to see, with no impact on your credit score.