Transparent pricing with no hidden fees. See exactly what your loan will cost before you apply.
Key information about our lending rates and terms
Your Annual Percentage Rate (APR) depends on your credit profile, income, and loan amount. Most qualified borrowers receive rates in the lower to middle range.
We offer flexible loan amounts to meet your specific needs. First-time borrowers typically start with smaller amounts, with increased limits available over time.
Short-term repayment periods designed for manageable installment payments. Some loans may offer extended terms up to 12 months based on loan amount.
This is our representative APR for qualified borrowers. Your actual rate may differ based on your individual circumstances and creditworthiness.
The Annual Percentage Rate (APR) is the yearly cost of your loan expressed as a percentage. It includes both the interest rate and any fees charged by the lender, giving you a complete picture of your borrowing costs.
APR is calculated by taking into account:
APR allows you to compare loan offers from different lenders on an equal basis. A loan with a lower interest rate but high fees might have a higher APR than a loan with a slightly higher interest rate and lower fees. Always compare APRs when evaluating loan options.
Important Note: For short-term loans (under 12 months), the APR can appear very high even with moderate interest charges because the APR is annualized. For example, if you borrow $500 for 90 days and pay $50 in interest, the APR would be calculated as if you paid that rate for an entire year, resulting in a higher percentage.
See how different loan amounts and terms affect your payments
* Examples are for illustrative purposes only. Your actual rates and terms will be provided during the application process based on your individual circumstances.
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Everything you need to know about making payments
| Policy | Details |
|---|---|
| Payment Frequency | Bi-weekly or monthly, depending on your loan agreement |
| Payment Method | Automatic ACH debit from your verified bank account |
| First Payment Due | Typically 14-30 days after loan funding, specified in your agreement |
| Early Payment | No prepayment penalty - pay off your loan early to save on interest |
| Late Payment Fee | $15 or 5% of payment amount (whichever is greater) after 10-day grace period |
| Returned Payment Fee | $30 for insufficient funds or rejected ACH transactions |
| Payment Schedule Changes | Contact customer service at least 5 business days before due date |
Complete breakdown of all potential fees
There is no cost to apply for a loan with WithU. Submitting an application is completely free.
No origination or processing fees are charged when your loan is approved and funded.
You can pay off your loan early without any penalties or additional charges. We encourage early payoff to reduce interest costs.
If payment is not received within 10 days of due date, a late fee will be assessed.
Fee charged when a scheduled payment is returned due to insufficient funds or rejected by your bank.
No monthly maintenance fees or account management charges at any time during your loan.
WithU Loans operates under tribal law as a sovereign nation lender. However, we also comply with applicable federal lending laws and specific state regulations where required. Interest rates, loan amounts, and terms may vary based on your state of residence. During the application process, you'll receive terms specific to your state. Some states have restrictions on online lending, and we may not be able to offer loans to residents of all states.
Tribal Sovereignty: WithU Loans is owned by the Otoe-Missouria Tribe of Indians, a federally recognized Indian tribe. The loan products offered are issued and underwritten by WithU Loans pursuant to tribal law and applicable federal law. All loans are subject to credit approval and are governed by tribal law.
Truth in Lending Act Compliance: Before you sign a loan agreement, WithU Loans will provide you with all required disclosures under the federal Truth in Lending Act (TILA) and Regulation Z, including:
Representative APR Example: If you borrowed $1,500 over a 6-month period at 18.23% APR, your bi-weekly payments would be approximately $145, with a total repayment amount of $1,740 (including $240 in finance charges).
Not All Applicants Will Qualify: Loan approval is based on meeting our eligibility requirements, including income verification, credit review, and state of residence. APR, loan amount, and terms offered will depend on your individual creditworthiness and other factors.
Responsible Borrowing: Only borrow what you need and can afford to repay. Short-term loans are designed for temporary financial needs and should not be used as a long-term financial solution. If you're experiencing ongoing financial difficulties, consider speaking with a certified credit counselor.
Alternative Options: Before taking out a short-term loan, consider other options such as:
Questions or Concerns: If you have any questions about rates, terms, or your loan agreement, please contact our customer service team before signing. We're here to ensure you fully understand your loan obligations.
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