Rates & Fees

A common question we get is:
how much will I be charged for taking out a personal loan?

The answer is simple and a bit complicated at the same time. Your fee will be based on the APR (Annual Percentage Rate) of your loan.

Please note: we are not a lender and do not provide loans but connect consumers to lending partners who may provide such loans. You APR will vary according to the information supplied by you in your loan request. You will be given the APR, loan fees, and other terms by the lending partner when you are redirected to your loan agreement in the loan request process. Please read and take the time to understand all of the lender provided loan documents before signing.

Representative APR Example:

If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. Rates, loan size, among other variables will vary based on your credit worthiness with the lower rates potentially available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender or lending partner. We recommend you read the lending partner's terms and conditions in full before proceeding for a loan.

The following table represents sample rates, is for informational purposes only, and may not reflect the actual APRs offered by your lender and/or lending partner:

APR 6.00% 10.00% 25.00% 35.99%
Loan Amount $5,000 $5,000 $5,000 $5,000
Period 36 months 36 months 36 months 36 months
Monthly Payment $152.11 $161.34 $198.80 $228.99
Total Payments $5,475.95 $5,808.09 $7,156.77 $8,243.66



Implications of Non-Payment and other Considerations

toppaydayloan.life is not a lender and does not charge any fees for its services. Every lender in the toppaydayloan.life network provides the consumer with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.

Implications of Non-Payment, Late Payment, or Partial Payment

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may be applicable in the event that you are unable to repay your loan in full or if you make a late payment. toppaydayloan.life cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. toppaydayloan.life has no control of knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. toppaydayloan.life does make an effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner.

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