An overview of possible terms
The ranges describe representative products for eligible applicants. Your chosen product and term, income, credit profile, and state determine your individual terms.
| Financing amount | $500 to $50,000 |
|---|---|
| Representative APR | 5.99% to 35.99% |
| Repayment term | 3 months to 72 months |
| Origination fee | If charged, 0% to 10% of the amount financed, as specified in final terms |
| Late fee | Your agreement lists any applicable charge |
| Prepayment penalty | Any applicable penalty is stated before signature |
| Application fee | $0. Submitting an application costs nothing. |
No offer or funding commitment is made by these examples. Before you accept credit, the final disclosures show your APR, finance charge, amount financed, payments, fees, and total cost. Those details depend on the product, underwriting, state, and applicable law.
Following a repayment example
Consider $10,000 in personal financing with 36 monthly payments, an 18.99% APR, and no origination charge.
| Amount financed | $10,000.00 |
|---|---|
| Monthly payment | Approximately $366.51 |
| Number of payments | 36 |
| Total interest paid | Approximately $3,194.35 |
| Total of payments | Approximately $13,194.35 |
Extending that $10,000 example to 60 months at the same APR reduces the approximate monthly payment to $259.35 and increases total repayment to about $15,561.03. Spreading payments over more time reduces each payment but increases overall cost. Both illustrations assume equal monthly periods and no origination fee. Rounding may slightly adjust the final payment. Neither example is an offer.
Comparing annual percentage rates
APR combines the interest rate and certain fees to express the annual cost of personal financing. Compare APRs using the same repayment period. A smaller monthly payment may simply reflect more payments over a longer term, with a substantially higher total cost.
Charges to review
- Origination charges. When deducted from proceeds, a 5% fee on $10,000 leaves $9,500 paid to you, while the full $10,000 remains repayable.
- Overdue-payment charges. A fee may apply when a scheduled payment is late.
- Failed-payment charges. Insufficient funds causing a payment to be returned may result in a fee.
- Early-repayment charges. A prepayment penalty applies to paying off financing ahead of schedule. Check whether one applies before signing.
Your disclosures specify the charges for your product. A genuine EasyFundGo representative will not demand payment before funding. Requests for an advance payment, gift card, or wire transfer to release or insure financing are scams. Notify us and the Federal Trade Commission.
Factors behind your pricing
- Credit history and score
- Income compared with existing debt obligations
- Requested financing amount and repayment duration
- Current employment and work history
- State of residence and applicable pricing limits
- Product requirements and underwriting standards
Availability where you live
State rules determine availability, amount limits, rate limits, and allowable charges, which can vary significantly. Some products are unavailable in certain states. EasyFundGo supplies the relevant terms and licensing details. This website serves US residents only.
Disclosures identify the entity offering financing and include the information required for your product and state. Review the APR, repayment schedule, charges, and total cost before accepting.
Deciding what you can afford
Choose only an amount you need and can repay on schedule. Missed payments can generate fees, damage credit for years, and result in collection activity. If debt is already difficult to manage, contact a nonprofit credit counselor before taking on additional financing. The National Foundation for Credit Counseling and the Consumer Financial Protection Bureau offer free, independent guidance.