Rates & Fees

A common question we get is: How much will I be charged for taking out a personal loan?

The answer is simple and a bit complicated at the same time. Your fee will be based on the APR (Annual Percentage Rate) of your loan.

APR Range

Please note: helpmeloans.com is not a lender – as such, we do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders. Qualified consumers can get a loan with APR Rates ranging from 4.95% to 35.95% and loans repayment period of 61 to 90 days. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner. Although some providers offer rates from 4.95% up to 35.95% APR, rates that low are only available to certain customers and are not reflective of all loan products offered in our network. Some lenders and services may not be accessible to residents of all States based on lender availability and legislation particular to that state.

The following table represents sample rates, is for informational purposes only, and may not reflect the actual APRs offered by your lender and/or lending partner:

 

Implications of Non-Payment and other Considerations

HelpMeLoans is not a lender and does not charge any fees for its services. Every lender in the HelpMeLoans network provides the consumer with specific terms, conditions, and practices prior to the consumer's acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.

Implications of Non-Payment, Late Payment, or Partial Payment

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may be applicable in the event that you are unable to repay your loan in full or if you make a late payment. HelpMeLoans cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. HelpMeLoans has no control of knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. HelpMeLoans does make an effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner.