The following examples depict the APR, monthly payment and total payments during the life of a $10,000 private loan with a single disbursement.* All rates below are shown with the Autopay Discount (0.25%). There are no application or origination fees, and no prepayment penalties.
For variable rate loans, the current index rate is 4.36% and may change monthly. The current index for variable rate loans is derived from the 30 day average SOFR index, thus changes in the SOFR index may cause your monthly payment to increase. 5, 7, and 10 Year terms are capped at 8.95% APR, 15 Year terms are capped at 9.95% APR to the extent permitted under law.
Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors, including your cosigner’s (if any) financial history. State restrictions may apply.
| Terms | Rate | Repayment APR |
No. of Payments |
Monthly Payment |
Total Payments |
|---|---|---|---|---|---|
| 5 Year | 4.49% – 8.05% | 4.49% – 8.05% | 60 | $186.38 – $203.00 | $11,183.08 – $12,180.20 |
| 7 Year | 5.22% – 8.32% | 5.22% – 8.32% | 84 | $142.38 – $157.46 | $11,959.51 – $13,226.74 |
| 10 Year | 5.22% – 8.57% | 5.22% – 8.57% | 120 | $107.14 – $124.36 | $12,857.29 – $14,923.25 |
| 15 Year | 5.38% – 8.67% | 5.38% – 8.67% | 180 | $81.07 – $99.47 | $14,593.13 – $17,905.14 |
| Terms | Rate | Repayment APR |
No. of Payments |
Monthly Payment |
Total Payments |
|---|---|---|---|---|---|
| 5 Year | 5.99% – 8.30% | 5.99% – 8.30% | 60 | $193.28 – $204.20 | $11,596.89 – $12,252.16 |
| 7 Year | 6.12% – 8.57% | 6.12% – 8.57% | 84 | $146.66 – $158.72 | $12,319.57 – $13,332.24 |
| 10 Year | 6.12% – 8.82% | 6.12% – 8.82% | 120 | $111.62 – $125.70 | $13,394.89 – $15,084.44 |
| 15 Year | 6.17% – 8.92% | 6.17% – 8.92% | 180 | $85.31 – $100.95 | $15,355.24 – $18,171.24 |
Parent Plus Refinancing variable rate loans for 5, 7 and 10 Year terms are capped at 8.95% APR, 15 Year terms are capped at 9.95% APR.
Rates in this table reflect prices as of 5/22/25.
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