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Loan Rates

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Interest Rates by State and Lender or Lending Partner

In most states, SignatureLoan.com may be able to connect you with a signature loan lender from our network or from one of the other third-party lender networks we utilize. The specific interest rate for a loan offer you receive from one of these lenders may vary by state. Also, the specific interest rate that in a loan offer you receive may vary depending on the type of lender or lending partner that makes you an offer or depending on which specific lender makes you an offer. Please note that the lender networks that may review your information include tribal lenders. Tribal lenders’ rates and fees may be higher than state-licensed lenders, and are generally subject to federal and tribal laws, not state laws.

Repayment

Repayment on a signature loan is usually performed either monthly or once every two weeks, depending on your lender or lending partner’s terms or your preferences. Many lenders or lending partners in our network can automatically withdraw the funds from your bank account on the date you have agreed upon. Since the payment is automatic, you shouldn’t have to worry about missing any payments as long as there is a sufficient amount of funds available in your account. Make sure you read and completely understand all of your lender or lending partner’s policies when it comes to repayment and understand what is required of you as a borrower to repay the loan.

Signature Loan Costs

On the whole, the entire cost of a signature loan will vary a great deal based on factors related to the loan requestor, the state that individual lives in, the lender or lending partner, and the loan requestor's repayment. Other factors that matter include the amount of money that’s borrowed, the period of time of the loan and the lender or lending partner’s individual interest rates. Your credit score may also be taken into consideration.

Standard Signature Loan Terms

While specific terms of signature loans will vary depending on your state, the lender or lending partner you are working with and your particular circumstances, below is a general range of common terms for signature loans. Note that other types of loans lenders in our network may offer may be outside this range.

  • Loan amount: $1,000–$35,000
  • Lending period: 90 days to 72 months
  • Payment frequency: Once or twice a month
  • Annual percentage rate (APR): Will vary based on your repayment history, credit score and other factors (Range 5.99% to 35.99%)
  • Prepayment penalty: None
  • You have the option to repay the loan in full before the due date and only pay the interest rate for the period of time that the loan was outstanding.

See below for a representative example of a Signature Loan APR range.

APRAmount
Borrowed
Period
of Loan
Monthly
Payments
Total
Amount Paid
6%$4,00024 Months$177.28$4,254.78
15%$4,00024 Months$193.95$4,654.72
25%$4,00024 Months$213.49$5,123.67