Rates & Fees
Illustrative ranges for offers you may see from lenders through MAF Finance.
Effective Date: May 6, 2026
MAF Is Not a Lender
MAF Loans LLC does not set rates, fees, or loan terms. We operate a loan-matching and lead-generation platform. Each lender discloses its own APR, fees, and repayment schedule before you accept an offer. The ranges below are illustrative only and may not reflect any offer you receive.
Typical Offer Ranges
Depending on the lender and product type, offers presented through the App may include:
- Loan amounts: from small cash-advance amounts (for example, $25–$750) to larger installment loans (for example, $1,000–$90,000+)
- APR: commonly between 5.99% and 35.99%; short-term or subprime products may carry higher effective APRs
- Terms: commonly 3 months to 60 months for installment products; some advance products repay on your next pay cycle
Your actual rate and terms depend on creditworthiness, income, state law, lender underwriting, and product type.
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 may charge fees that can include, without limitation:
- Origination fee: often 1%–8% of the loan amount
- Late payment fee: for example, $15–$30 or a percentage of the scheduled payment, subject to state caps
- NSF / returned payment fee: for example, $15–$35 per returned item
All material fees should be disclosed in a TILA-compliant disclosure before you accept an offer. MAF does not charge consumers a fee to download or use the App.
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 amount may help you see more favorable terms from lenders in our network.
- Compare multiple offers — Use our platform to compare offers from different lenders before making a decision.
Payments and Early Repayment
Payments are typically collected by ACH debit on a weekly, biweekly, semi-monthly, or monthly schedule set by the lender. You are responsible for maintaining sufficient funds on each due date.
Most lenders allow early payoff without a prepayment penalty, but policies vary—confirm in each lender's agreement before accepting an offer.