Access the funds you need with a simple, secure, and transparent process.
From application to funded — faster than you'd expect.
Fill out a simple 3-minute form. Checking your rate uses a soft pull — it will never affect your credit score.
Receive personalized rate options in seconds. Pick the loan amount and term that fits your budget perfectly.
Review every detail before you sign. Our documents are crystal-clear — no jargon, no hidden clauses.
Money lands directly in your bank account — often the same business day. Start using it right away.
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Checking your rate takes 3 minutes and won't affect your credit.
Slide to your desired amount and term — see your fixed monthly payment instantly.
This calculator is for illustrative purposes only. Actual rate and payment depend on creditworthiness, income verification, and lender underwriting criteria.
Monthly Payment
Fixed for the life of the loan
Principal vs Interest
Our rates are determined by your credit profile and loan details. The table shows representative rates across all credit tiers — no hidden costs, ever.
Representative APR 5.99%–35.99%. The Representative APR is based on a loan of $10,000 over 60 months. Not all applicants will receive the representative rate; your actual rate depends on individual circumstances.
| Credit | Score | APR Range |
|---|---|---|
| Excellent | 750+ | 5.99–9.99% |
| Good | 700–749 | 10.99–14.99% |
| Fair | 660–699 | 15.99–19.99% |
| Average | 620–659 | 20.99–24.99% |
| Poor | 560–619 | 25.99–34.99% |
Example based on $10,000 loan over 60 months. Representative APR 5.99%. Total amount repayable varies by rate.
Every loan on our platform meets strict federal and state standards — so you can apply with confidence.
We collect only what is required to process your application. Your information is encrypted at rest and in transit, and is never shared with unauthorized third parties. You can request deletion of your data at any time.
Over 50,000 borrowers have trusted us with their financial goals.
Rated 4.8 / 5 by thousands of verified borrowers across the US.
Our criteria are designed to be inclusive. If you have a stable income and a bank account, you likely qualify.
If you checked all four, you're likely eligible. Your exact rate depends on credit profile and income.
Must be a legal adult to enter a loan agreement.
U.S. citizen or permanent resident with a valid SSN.
Employment, self-employment, pension, or other regular income.
Checking or savings account for direct deposit.
We work with a range of credit histories.
Working email and phone number for verification.
Everything you need to know before you apply. Still have questions? Our team is here to help.
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Check your rate in 3 minutes with no impact to your credit score. Join 50,000+ borrowers who chose MyFairLending.
Get My Rate Now — It's FreeLoan Terms & Amounts: Loan amounts range from $100 to $5000. Minimum repayment term: 61 days. Maximum repayment term: 60 months (5 years). All loan products offered through this platform require repayment in full in 61 days or longer.
Maximum APR: The maximum Annual Percentage Rate (APR) for personal loans available through this platform is 35.99%. APR is calculated in accordance with the Truth in Lending Act (TILA), 12 CFR Part 1026, and includes the interest rate plus all applicable fees. Minimum APR: 5.99%.
Representative Example: A loan of $5,000 repaid over 36 months at a fixed APR of 14.99% results in 36 monthly payments of $173.17. Total amount repayable: $6,234.12 (including $1,234.12 in interest and fees). Representative APR: 14.99%. Your actual rate will depend on credit score, income, loan amount, loan term, and other factors. Not all applicants will qualify for the lowest rate advertised.
No Guarantee of Approval: Submitting an inquiry or application does not guarantee loan approval or a specific loan offer. All applications are subject to credit review, identity verification, income verification, and lender underwriting criteria. Approval and final loan terms are at the sole discretion of the participating lender.
Credit Inquiry: Checking your rate uses a soft credit pull and will not affect your credit score. Proceeding with a full loan application may result in a hard credit inquiry, which may temporarily affect your credit score. State availability, loan terms, rates, and fees vary by lender and are subject to change without notice. Not available in all states.
Marketplace Disclosure: MyFairLending is not a direct lender. MyFairLending operates as a loan referral marketplace connecting consumers with a network of third-party lenders. MyFairLending does not make credit decisions and is not responsible for lender actions or loan terms. MyFairLending may receive compensation from lenders for referrals, which does not influence the loan terms offered to you. Please review each lender's terms, rates, and fees carefully before accepting any loan offer.
Risk Warning: Borrowing money involves financial risk. Failure to repay a loan on time may result in additional fees, negative credit reporting, and collections activity. Only borrow what you can comfortably repay. If you are experiencing financial difficulty, consider contacting a nonprofit credit counseling agency such as the NFCC (nfcc.org) for free guidance.