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| Instalment loan | Secured loan | Line of credit | |
|---|---|---|---|
| Rate range | 9.99 - 34.99% APR | 9.99 - 34.99% APR | 19.8 - 34.99% APR |
| Interest charged on | The full amount from day one | The full amount from day one | Only what you draw |
| Repayment | Fixed instalments, set end date | Fixed instalments, set end date | Revolving, minimum payment |
| Re-borrow without reapplying | No | No | Yes |
| Best when | You know the amount and want a payoff date | An asset can back the loan and cut the rate | Costs arrive over time and you cannot size them yet |
| Watch out for | Interest on funds you may not need | The asset is at risk if payments stop | No end date means a balance can persist for years |
| Term | Monthly payment | Total interest |
|---|---|---|
| 2 years | $521 | $2,509 |
| 3 years | $384 | $3,840 |
| 5 years | $279 | $6,739 |
A loan with no asset pledged against it, approved on your income and credit alone. Nothing can be repossessed if you default, which is why rates run higher than secured borrowing: the lender's only recourse is collections and credit reporting.
Up to $35,000 with lenders in our network, though most approvals land far lower. The average request on our platform is $6,061 and more than half are under $5,000. Your income and existing obligations set the ceiling, not the advertised maximum.
Unsecured when the amount is modest and you would rather pay a higher rate than put an asset at risk. Secured when the amount is large enough that the rate saving outweighs the fixed costs of registering a charge, generally above $25,000, and you are confident of repayment.
