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Rates & fees · checked October 2026

The whole price list.
Nothing behind it.

Every APR range our lenders publish, by product and by credit, the fees that exist and the longer list of fees that don't. If a number on your offer isn't explained on this page, don't sign it, and tell us.

See your actual rate Jump to the APR grid

What FrontPay charges you.

We're paid by the lender whose loan you accept. That's the whole business model, so this grid is mostly zeros.

$0to applyNo application or processing fee, ever
$0to see offersSoft check, as many times as you like
$0membershipNo subscription, nothing renewing on payday
$0to declineWalk away from every offer at no cost
$0prepayment penaltyPay off early with any lender in the network
$0to talk to usEmail support, Mon–Sat, no premium line
1fee some lenders chargeOrigination, 1%–5%, inside the APR, on the offer
1fee you controlLate fee only if a payment fails; call first and most lenders waive it

APR by product
and by credit.

Ranges lenders in our network publish, October 2026. Where a column says "capped", your state sets a lower ceiling and the lender prices under it. Short-term loans are quoted as a finance charge because a 14-day loan's APR says little about what it costs.

Good · 680+
Fair · 620–679
Rebuilding · under 620
Personal loan$2,000–$5,000 · 12–24 mo
5.99%–17.99%$3,000 / 24 mo ≈ $133–$150 / mo
17.99%–35.99%≈ $150–$178 / mo
Usually routed to installmentsame request, installment pricing
Installment loan$500–$5,000 · 3–24 mo
29.99%–35.99%$1,500 / 12 mo ≈ $146–$151 / mo
35.99%–89%≈ $151–$193 / mo
89%–149%≈ $193–$247 / mo · capped in many states
Short-term loan$200–$1,500 · 14–90 days
$10–$15 per $100per 30 days · $500 ≈ $50–$75
$12–$15 per $100per 30 days
$15 per $100state maximum where offered · 22 states don't
Lowest bandTypicalExpensive: compare alternatives firstHighest: only where state law allows

Bands are a guide. Lenders also weigh income, existing debt and bank history, and state caps override everything. The payment on your offer is the only binding figure. Try any combination in the calculator

Three receipts.

Worked examples, the way they'd appear on an offer. The middle one is our representative example, the one the regulations require us to show next to any rate.

Personal · good credit

$3,000 over 24 months

APR, fixed
11.99%
Monthly payment
$141.21
Payments
24
Fee to apply
$0
Origination fee
$0
Cost of borrowing
$388.95
Total repaid
$3,388.95
Installment · representative example

$2,500 over 12 months

APR, fixed
35.99%
Monthly payment
$251.14
Payments
12
Fee to apply
$0
Origination fee
$0
Cost of borrowing
$513.71
Total repaid
$3,013.71
Short-term · 30 days

$500 for one pay cycle

Finance charge
$15 per $100
Charge on $500
$75.00
APR equivalent
≈ 182%
Fee to apply
$0
Rollover
None
Due
Next pay date
Total repaid
$575.00

APR equivalent for the short-term example assumes a 30-day term. Many states cap the charge lower; see yours. A credit union Payday Alternative Loan would cost about $12 for the same $500: if you can get one, get one.

Every fee that can appear
on a contract.

There are four. Two are the lender's, capped by state law and printed on your offer. Two depend on you. Anything else is not from a lender in our network.

FeeWhoWhen · how much
OriginationSome lendersLender1%–5% of the amount, deducted at funding or added to the balance. Already inside the quoted APR and shown as its own line. Many lenders charge none.
Late paymentAvoidableLenderOnly if a scheduled payment fails, typically $15–$30 or a small percentage, capped by state. Call before the due date and most lenders move it without charge.
Returned paymentAvoidableLenderIf your bank bounces the auto-debit. Usually the same size as a late fee; your bank may add its own NSF charge, which is the costlier of the two.
InterestAlwaysLenderThe APR on your offer, fixed for the term, charged on the remaining balance. Pay early and it stops.
Application, membership, subscription, express funding, "processing", prepayment penalty, fee to declineNever—Not charged by FrontPay or any lender in our network. If you're asked for one, report it.

Rate questions

More in the full FAQ.

Ranges last checked against lender schedules and state regulator sites.

Why is the APR range so wide?
Because it covers three products, fifty-one sets of state law and every credit profile from 500 to 800. A personal loan to a 720 score in a 36%-cap state and a 30-day short-term loan to a 540 score in Texas are both on this page. Your offer is one number, fixed, shown before you sign.
Is APR the same as interest rate?
APR includes any required fee spread over the term, so it's the number to compare. With no origination fee, APR equals the interest rate. If a lender charges a fee, the APR is higher than the rate; both appear on the offer.
Does FrontPay charge me anything?
No. FrontPay is paid a referral fee by the lender whose loan you accept. You pay nothing to apply, see offers, decline them, or ask questions. If anyone claiming to be FrontPay asks you for money, it's a scam.
What's a representative example and why is it on every page?
Federal advertising rules require that when we show a rate, we show a worked example with it. Ours is a $2,500 installment loan over 12 months at 35.99% APR: $251.14 a month, $3,013.71 total. It's typical for fair credit, not a promise of your rate.
Are there late fees?
Lenders may charge a late fee if a payment fails, typically $15–$30 or a small percentage, capped by state law and printed on your contract. Call the lender before the due date and most will move it without a fee; that's part of the pledge they sign.
How often are these numbers checked?
Monthly, against each lender's published schedule and the state regulator's site. The date at the bottom of this page is the last check. If you see an offer outside these ranges, tell us; it's either an error or a lender we need to talk to.

Keep reading.

Payment calculatorAny amount, term and APR, with the scheduleLoans by stateWhich products and caps apply where you liveBad credit loansWhat the higher bands cost, honestlyHow it worksWhere in the process each number appears
$200–$5,000Soft check · $0 to apply
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