Rates & Fees
Because we’re a matching service, your exact rate is set by the lender you choose. Here’s the range you can expect — and how to read it.
Typical ranges across our network
| Factor | Typical range |
|---|---|
| Loan amount | $100 – $50,000 |
| APR | 5.99% – 35.99% |
| Term length | 3 – 84 months |
| Origination fee | 0% – 8% (varies by lender) |
| Funding time | As soon as the same or next business day |
Your specific rate depends on the lender, your credit profile, the loan amount and term, and your state. Stronger credit generally unlocks lower APRs and larger amounts.
Representative example
Loan amounts range from $100 to $50,000. APRs range from 5.99% to 35.99% depending on the lender, your credit profile, loan amount and term. For example, a $10,000 loan at 12.99% APR over 36 months would have 36 monthly payments of $336.94 and a total cost of $12,129.84. Not all applicants will qualify for the lowest rate or largest amount.
What affects your rate
- Credit score & history — the single biggest driver of your APR.
- Income & employment — lenders assess your ability to repay.
- Loan amount & term — longer terms lower the payment but raise total interest.
- Debt-to-income ratio — how much of your income already goes to debt.
The smart way to compare
Always compare offers using the APR, which includes fees, rather than the interest rate alone. With one request, Good Fast Loans lets you line up multiple offers so you can choose the lowest true cost.