Rates & Fees
Transparent pricing for personal loans from $100 to $5,000. APR 5.99%–35.99%.
Loan Terms
Loan amounts range from $100 to $5,000. Repayment terms are available from 3 to 24 months. Annual Percentage Rate (APR) ranges from 5.99% to 35.99%. Your actual rate and terms depend on your creditworthiness, lender, and other factors.
Example Loan Scenarios
The following table shows estimated monthly payments for example loan amounts. Actual terms may vary by lender.
| Loan Amount | Term | APR (approx.) | Monthly Payment | Total Repayment |
|---|---|---|---|---|
| $500 | 6 months | 24.99% | ~$90 | ~$540 |
| $500 | 12 months | 24.99% | ~$47 | ~$564 |
| $2,000 | 12 months | 24.99% | ~$189 | ~$2,268 |
| $2,000 | 24 months | 24.99% | ~$105 | ~$2,520 |
| $5,000 | 24 months | 24.99% | ~$262 | ~$6,288 |
Note: These are illustrative examples only. Your actual payment will depend on lender, APR, term, and fees.
Fees
Lenders in our network may charge origination fees, late fees, or other processing fees. All fees will be disclosed in your loan agreement before you accept any offer. MAF Loans LLC does not charge application fees directly.
Understanding APR
APR (Annual Percentage Rate) is the cost of borrowing expressed as a yearly rate. It includes interest and certain fees. A lower APR generally means lower total cost. Compare APRs when evaluating offers.
- APR is based on your credit profile and lender criteria
- Shorter terms typically mean lower total interest
- Always read lender disclosures before accepting any loan
Tips for Getting a Better Rate
Your APR depends on many factors. Here are some ways you may improve your chances of qualifying for a lower rate:
- Check your credit report — Review your credit report for errors and dispute any inaccuracies before applying.
- Improve your credit score — Pay bills on time, reduce outstanding debt, and avoid new credit applications when possible.
- Choose a shorter term — Shorter repayment terms often come with lower APRs, though monthly payments may be higher.
- Borrow only what you need — Requesting a smaller loan amount may improve your approval odds and terms.
- Compare multiple offers — Use our platform to compare offers from different lenders before making a decision.
Late Fees and Other Charges
If you miss a payment, your lender may charge a late fee. The amount and conditions vary by lender and will be disclosed in your loan agreement. Some lenders may also charge returned payment fees if a payment is declined. We encourage you to read all fee disclosures carefully and contact your lender if you anticipate difficulty making a payment.