Every number, in plain English.
We believe every borrower deserves to see exactly what a loan will cost before they apply. This page lists our current APR range, term lengths, loan amounts, and the full schedule of fees.
Loan amount
$250 – $5,000
APR range
5.99% – 35.99%
All-inclusive. Never higher.
Repayment term
61 – 365 days
No balloon payments.
Payment type
Fixed & equal
Simple interest, fully amortizing.
Four loan sizes, priced for the situation.
We offer four distinct loan tiers. Each tier has its own typical APR range — larger, longer-tenor loans are priced lower because the per-dollar cost of underwriting and servicing is lower. Every tier respects our 35.99% all-inclusive APR cap and 61-day minimum term.
Tier 01
Bridge$250–$500
Cover a small, time-sensitive expense without spiraling.
- APR range
- 32.99%–35.99%
- Term
- 3–6 months
- Sample APR
- 34.99%
- Sample payment
- $87.14/mo
Best for: Car repair, prescription, late utility bill, or a small emergency.
Check rateTier 02
Essentials$500–$1,000
Mid-size cushion when one paycheck won't stretch.
- APR range
- 28.99%–33.99%
- Term
- 4–9 months
- Sample APR
- 32.99%
- Sample payment
- $137.30/mo
Best for: A cluster of small bills, an emergency travel expense, or a moving deposit.
Check rateTier 03
Stability$1,000–$2,500
Right-sized for a meaningful expense or consolidation.
- APR range
- 24.99%–29.99%
- Term
- 6–12 months
- Sample APR
- 27.99%
- Sample payment
- $193.04/mo
Best for: Medical bills, urgent home repairs, or consolidating high-rate debt.
Check rateTier 04
Foundation$2,500–$5,000
Our largest, lowest-priced product for serious situations.
- APR range
- 19.99%–26.99%
- Term
- 9–12 months
- Sample APR
- 22.99%
- Sample payment
- $376.32/mo
Best for: Major repairs, debt consolidation, or significant unexpected costs.
Check rateAPR ranges shown are typical for each tier. Your actual offer is determined by creditworthiness, income, and state of residence and is presented before you e-sign. No tier carries an APR greater than 35.99% or a repayment term shorter than 61 days.
App Store Guideline 5.2.5 & Military Lending Act compliance
Every Money Loan Capital loan product is intentionally priced and structured to comply with Apple App Store Review Guideline 5.2.5 and the federal Military Lending Act (MLA). Our maximum all-inclusive APR of 35.99% is below the 36% ceiling set by both frameworks, and our minimum repayment term of 61 days is longer than the 60-day Apple minimum. We do not offer payday loans, title loans, single-payment loans, or any product that requires full repayment in 60 days or less.
Sample loans across our full range.
The examples below show the monthly payment, finance charge, and total repayment for common loan amounts and terms. These figures are illustrative; your actual offer depends on your creditworthiness, income, and state of residence.
| Amount financed | Term | APR | Monthly payment | Finance charge | Total of payments |
|---|---|---|---|---|---|
| $250 | 3 months | 35.99% | $88.38 | $15.14 | $265.14 |
| $500 | 5 months | 32.99% | $108.40 | $42.00 | $542.00 |
| $1,000 | 6 months | 29.99% | $181.58 | $89.48 | $1,089.48 |
| $2,000 | 12 months | 27.99% | $193.04 | $316.48 | $2,316.48 |
| $3,500 | 12 months | 24.99% | $332.69 | $492.28 | $3,992.28 |
| $5,000 | 12 months | 35.99% | $502.31 | $1,027.72 | $6,027.72 |
All examples assume fixed monthly payments of equal size and a fully amortizing schedule with no fees beyond the interest already included in the APR. The APR includes all costs of credit required to be included under federal Regulation Z. Payments are estimates; actual payments on your loan agreement may differ by pennies due to standard rounding.
Our full schedule of fees.
Apple App Store Guideline 5.2.5 requires all fees to be included in our stated APR. We comply: the APR you see is the APR you pay. The fees below are the only fees we may ever charge, and all are clearly disclosed in your loan agreement before you sign.
Application fee
$0
We never charge to apply or check your rate.
Origination fee
$0
No fees taken out of your loan proceeds. You receive the full amount you borrowed.
Prepayment penalty
$0
Pay off your loan early and only pay interest for the days you held the funds.
Late payment fee
$15 or 5% of the payment, whichever is less
Charged only if a scheduled payment is more than 10 days past due. May be lower or waived based on your state of residence.
Returned payment (NSF)
$15
Charged if your bank returns a scheduled ACH payment. Charged once per returned payment. Waived in states where prohibited.
Check-by-mail payment
$0
Sending a paper check instead of ACH is always free.
What Money Loan Capital will never charge
- Payday-loan-style rollover or renewal fees
- Balloon payments or final "catch-up" payments
- Mandatory insurance, add-on products, or membership fees
- Credit-score-check fees or identity-verification fees
- Confession of judgment clauses
- Arbitration fees or filing fees charged to you
- Any APR greater than 35.99%, ever
- Any fee not included in your disclosed APR
Truth in Lending Act disclosure box
Every loan agreement includes the standard federal disclosure box before your signature line. Here is an example using the $2,000 / 12-month / 27.99% APR loan from the table above.
Annual Percentage Rate
The cost of your credit as a yearly rate
27.99%
Finance charge
The dollar amount the credit will cost you
$316.48
Amount financed
The amount of credit provided to you
$2,000.00
Total of payments
The amount you will have paid after all payments
$2,316.48
The disclosure box on your actual loan agreement will be followed by the complete payment schedule, your right to prepay without penalty, security interest information, and your state-specific disclosures.
Ready to borrow the right way?
Get a decision in minutes. Loans from $250 to $5,000, terms 61–365 days, APR capped at 35.99%.
Checking your rate won't affect your credit score. No prepayment penalties.