Loan rates & fees

You will not be charged any fees to use 90DayLoans.coms service. Only a lender or lending partner can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender or lending partner. does not make loans of any kind, credit decisions or determine rates, fees and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and/or lending partners. This website does not constitute an offer or solicitation to lend. The operator of this website is not an agent, representative, or broker of any lender, lending partner, or loan source and does not endorse or charge you for any service or product, but may receive compensation from a lender, lending partner/and or loan source for forwarding your information to them. Repayment

Repayment of personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender’s or lending partner’s terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details. Personal Loan Costs

On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, and the lender or lending partners eligibility criteria. This criteria may include factors such as credit score, loan amount, loan term, and credit use and history. All rates are determined solely by the lender and must be agreed to by both the borrower and the lender selected by the borrower. The origination fee charged by the lenders and loan sources within our connections typically range from 0% to 8%. Currently, none of the lenders or loan sources within our connections require a down payment.

In some cases, you may be given the option of obtaining a loan from a tribal lender and/or lending partner. Tribal lenders and/or lending partners are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender and/or lending partner, please understand that the rates and fees may be higher than state-licensed lenders and/or lending partners and you may be required to agree to resolve any disputes in a tribal jurisdiction.

Additionally, your information may be going to an aggregator and not a lender and/or lending partner. Your information can be sold multiple times leading to multiple offers from lenders and/or lending partners, and other marketers. Lenders and/or lending partners who buy your information may supplement it with additional information about you that they obtain from other sources. Not all lenders and/or lending partners can provide your requested type of loan and/or loan rate or terms, and we make no promises that you will be able to obtain a loan.

Standard Personal Loan Terms
While specific terms of personal loans will vary depending on your state, your lender or lending partner and your specific circumstances, below is a general range of common terms.

  • Loan amount: $250 – $3,000
  • Lending period: 90 days – 18 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: Varies by Lender