Understand the numbers
Rates, fees & repayment
Examples to help Texas visitors compare possible loan costs.
Representative payment examples
The table below illustrates how the payment can change with loan size, interest rate, term, and a 5% fee added to the financed balance. It is not an offer. The listed interest rates are not the all-in APR; APR also reflects applicable fees.
| Loan amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest rate | 24% | 19% | 13% | 8% |
| Loan term | 12 months | 24 months | 48 months | 60 months |
| Other fee | $50 | $100 | $250 | $500 |
| Monthly payment | $99.29 | $105.86 | $140.84 | $212.90 |
| Number of payments | 12 | 24 | 48 | 60 |
| Total payments | $1,191.48 | $2,540.64 | $6,760.32 | $12,774.00 |
Representative range provided for qualified customers: APR 5.99%–35.99%; repayment periods from 91 days to 72 months. Actual terms vary by lender, borrower, and state. The lender's final disclosure controls.
Compare the entire cost
An APR includes the interest rate plus certain loan fees. Compare the APR, amount financed, timing of payments, and total payments in any actual offer. Longer terms can lower a monthly payment while increasing the overall amount paid.
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