LendingGates is not a lender and does not set interest rates, fees, or repayment terms. Every lender in our network prices loans differently based on your state, credit profile, and the lender's own policies. The ranges below are representative only — your actual offer will come directly from the lender you're matched with.
| Term | Typical Range | Notes |
|---|---|---|
| Loan amount | $100 – $5,000 | Set by the lender based on your request and state. |
| Repayment term | 2 – 24 months | Shorter-term products carry higher effective costs. |
| APR | 5.99% – 35.99% (installment); higher for short-term products | Varies by lender type, your credit profile, and state law. |
| Origination fee | 0% – 8% of loan amount | Not all lenders charge this; ask before you accept an offer. |
| Late payment fee | Varies by lender | Disclosed in your loan agreement before you sign. |
| Prepayment | Varies by lender | Ask your lender whether paying early reduces your total cost. |
Some lenders and lending partners in our network, including certain tribal lenders, may offer short-term products with APRs that are significantly higher than the ranges above, particularly for borrowers with limited credit history. Review the full terms a lender provides before you agree to anything.
Not just the interest rate — the Annual Percentage Rate, which includes fees. It's the number that lets you compare offers fairly.
Ask about late fees, rollover options, and whether a missed payment gets reported to credit bureaus.
Some products charge a prepayment penalty. Others let you save on interest by paying ahead of schedule.
State licensing affects what protections apply to your loan. A lender should be able to answer this directly.