Loan Amounts
$100 - $5,000
Based on qualification
APR Range
5.99% - 35.99%
Depends on creditworthiness
Loan Terms
3 - 24 months
Flexible repayment options
Representative Examples
Loan Amount
$500
Loan Amount
$2,000
Loan Amount
$5,000
Understanding Fees
Origination Fee
Some lenders charge an origination fee of 1% to 8% of the loan amount. This is typically deducted from your loan proceeds.
Late Payment Fee
If you miss a payment, the lender may charge a late fee, typically $15-$40 or a percentage of the payment amount.
Prepayment Penalty
Many lenders in our network do not charge prepayment penalties, allowing you to pay off your loan early without extra fees.
NSF/Returned Payment
If a payment fails due to insufficient funds, lenders may charge an NSF fee of $15-$35.
What is APR?
APR (Annual Percentage Rate) represents the total yearly cost of borrowing, including the interest rate and any fees. It's the best way to compare loan offers because it shows the true cost of the loan.
Factors That Affect Your APR
- Credit score and history
- Income and employment status
- Loan amount and term
- Debt-to-income ratio
How to Get a Better Rate
- Improve your credit score
- Compare multiple offers
- Consider a shorter loan term
- Add a co-signer if available
Ready to See Your Rate?
Checking your rate with OrchiFunds won't affect your credit score. See what offers you qualify for in minutes.
Check Your Rate NowDisclaimer: The examples above are for illustrative purposes only and do not represent actual loan offers. Your actual rate, terms, and fees will be determined by the lender based on your creditworthiness and other factors. OrchiFunds is not a lender and does not make credit decisions. Loan approval is subject to lender criteria. Not all applicants will qualify for a loan or for the lowest rates. Please review your lender's terms carefully before accepting any loan offer.