Rates & Fees

The advertised rate is only one part of the price. Annual percentage rates, origination charges, add-ons and early-repayment clauses all move the total, and they are usually in the small print rather than the headline.

Rates & Fees

Rates by Credit Score

Rough rate bands by broad credit tier, why a quoted range is only a starting bracket, and what actually sets the rate a lender offers you.

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Rates & Fees

APR and Origination Fees

How a note rate differs from the annual percentage rate that folds in fees, with a rounded worked example and plain tips for comparing offers.

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Rates & Fees

Lower Your Loan Rate

A practical order of steps for trimming a personal loan rate, from reading your credit file to asking a lender for a re-rate, plus the trade-offs.

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Rates & Fees

Hidden Loan Fees to Watch

A plain catalogue of late, returned-payment, insurance, and processing charges, plus a short method for reading any lender fee schedule before you sign.

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Rates & Fees

Paying Early Without Penalty

When paying a personal loan off early really cuts interest, how a prepayment clause changes the maths, and the questions to settle before signing.

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Rates & Fees

Late Fees and Default Interest

A missed due date can trigger a flat charge and, in some agreements, a higher rate on what remains. Both are written into the contract before you sign.

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