Rates and Fees
There are no hidden fees for using ZippyLoan. Our service is completely free. Zippyloan is not an actual lender, and therefore does not make credit decisions or determine actual APRs (Annual Percentage Rate) if you are connected with a lender.
Actual loan amounts, terms and APRs vary based on the information supplied by you in your loan request. This information is provided in your loan agreement with the lender you are connected with.
Repayment
Repayment terms on personal loans are generally either monthly or once every two weeks, depending either on your preferences or your lender’s terms. Funds are typically withdrawn automatically from your bank account on the date agreed upon with your lender. Be sure that you read and fully understand all of your lender’s policies regarding repayment.
Personal Loan Costs
The cost of a personal loan varies based on factors related to your request, including the state you reside in, the lender you are connected with, how much you are borrowing, and the repayment terms of the loan. Your credit score may also be taken into consideration.
Typical Personal Loan Terms
- Loan amount: $300 – $15,000
- Lending period: 6 – 72 months
- Payment frequency: Once a month or twice a month
- APR: Will vary based on your credit score, repayment history and other factors
- Prepayment penalty: None
Personal Loan Example
| Amount | Period | APR | Monthly | Total Paid |
|---|---|---|---|---|
| $2,000 | 24 month | 12% | $94.15 | $2,259.60 |
| $2,000 | 24 month | 24% | $105.74 | $2,537.76 |
| $2,000 | 24 month | 35.99% | $118.09 | $2,834.16 |
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