Transparent Rates & Fees
No hidden fees, no surprises. What you see is what you get. We believe in full transparency.
Zero Hidden Fees Guarantee
No application fees. No account maintenance fees. No prepayment penalties. Ever.
Micro Personal
3.9% – 8.5%
APR Range
Loan Range$500 – $5,000
Origination1.0%
Late Fee$10 or 3%
PrepaymentNone
Most Popular
Small Business
4.2% – 12.0%
APR Range
Loan Range$5,000 – $50,000
Origination1.5%
Late Fee$15 or 3%
PrepaymentNone
Emergency Bridge
0% – 5.0%
APR Range
Loan Range$250 – $2,000
Origination0%
Late Fee$5
PrepaymentNone
Credit Builder
2.0% – 6.0%
APR Range
Loan Range$300 – $3,000
Origination0.5%
Late Fee$5 or 2%
PrepaymentNone
Complete Fee Schedule
| Fee Type | Amount | Notes |
|---|---|---|
| Application Fee | FREE | Always free, no exceptions |
| Origination Fee | 0% – 1.5% | One-time, deducted from disbursement |
| Monthly Service Fee | FREE | No monthly account fees |
| Late Payment Fee | $5 – $15 | Waived once per year for good standing |
| Returned Payment | $10 | Per failed payment attempt |
| Prepayment Penalty | NONE | Pay off early with no penalties |
| Document Fee | FREE | No charge for statements or letters |
| Wire Transfer | $15 | Domestic only; ACH transfers are free |
What Determines Your Rate?
Credit Score
Lower score = higher rate within range
Income Level
Higher income may qualify for lower rates
Loan Term
Shorter terms typically have lower APR
Existing Relationship
Repeat borrowers get loyalty discounts
Payment History
On-time payments unlock rate reductions
Collateral
Secured loans receive reduced rates