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Custom loan offers from real people.
Custom loan offers from people who 'get it'.
Same-day approvals and money in your account within 48 hours†
No hidden fees, no gotchas from an equal opportunity lender.
With a 2- to 5-year loan you could be out of debt decades faster and for thousands less than with credit card minimum payments.
This comparison is for illustration purposes only – actual terms and outcomes will vary depending upon an individual consumer’s circumstances.
The cost of a Freedom Plus loan
The cost shown is calculated using the terms made available to our most credit-worthy customers: An origination fee of 1.38-5% of the loan amount and interest rates of 6.99% (8.359% APR) for 2-year loans, 6.99% (7.93% APR) for 3-year loans, 7.99% (9.577% APR) for 4-year loans and 7.99% (10.178% APR) for 5-year loans. For example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. These terms are not available to all consumers. Loan availability and terms are based on a wide variety of factors including (but not limited to) credit score, overall indebtedness, the ratio of debt service payments to monthly income, and the loan amount requested.
1The cost of credit cards
The cost of credit card debt assumes that the interest rate is 16.99% and that only the minimum monthly payments are being made. The minimum monthly payment is assumed to be the maximum of (1) interest on the outstanding balance, calculated as 16.99% annually, plus 1% of the outstanding balance, or (2) $25.