Full Transparency

Rates & Fees

We believe in complete transparency. Below you'll find all the information you need about rates, fees, and repayment terms.

APR Range

5.99% to 35.99%

Repayment Terms

61 days to 72 months

Loan Amounts

$500 - $5,000

APR by Credit Profile

Your actual APR depends on your credit profile, income, state of residence, and the specific lender. The ranges below are illustrative.

APR Range	Credit Tier	Notes
5.99% - 12.99%	Excellent (720+)	Lowest available rates for borrowers with strong credit profiles.
13.00% - 19.99%	Good (660-719)	Competitive rates for borrowers with solid credit history.
20.00% - 27.99%	Fair (580-659)	Moderate rates reflecting average credit profiles.
28.00% - 35.99%	Poor (below 580)	Higher rates for borrowers with credit challenges.

Fee Schedule

Fee Type	Range	Description
Origination Fee	0% - 8%	Charged by some lenders at the time of funding. Deducted from the loan proceeds.
Late Payment Fee	$15 - $30	May apply if a scheduled payment is not received by the due date.
Insufficient Funds Fee	$15 - $25	May apply if an automated payment is returned for insufficient funds.
Prepayment Penalty	$0	No penalty for early repayment. You can pay off your loan early at no extra cost.

Representative Examples

For a $2,500 loan over 12 months at 24% APR, the total repayment is $2,840.88 with monthly payments of $236.74.

Amount	Term	APR	Monthly	Total Repayment
$500	6 months	24%	$88.63	$531.78
$1,000	12 months	18%	$91.68	$1,100.16
$1,500	12 months	20%	$138.35	$1,660.20
$2,500	12 months	24%	$236.74	$2,840.88
$3,500	24 months	22%	$179.58	$4,309.92
$5,000	36 months	20%	$185.18	$6,666.48

Important Disclosures

APR Disclosure: The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR presented to you will be based on your creditworthiness and the specific lender's underwriting criteria. Not all applicants will qualify for the lowest rate.

Repayment Terms: Repayment periods range from 61 days to 72 months. Shorter terms result in higher monthly payments but lower total cost. Longer terms reduce monthly payments but increase total interest paid.

State Availability: Not all loan amounts or terms are available in all states. Availability varies by lender and local regulations.

No Guarantee: 3CLICKSLENDING does not guarantee any particular offer, rate, or approval. Completing the application does not constitute a commitment to lend.

Credit Impact: Checking your offers through 3CLICKSLENDING will not impact your credit score. Any subsequent credit check performed by a lender may affect your credit score.

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