Below are typical ranges through our partner network. Your actual offer depends on the lender, your profile, and state rules.
Common range for personal loans in our network
Annual percentage rate — see explanation below
How long you may have to pay back the loan
Free to compare offers — partner fees may apply
Plain-language guides to the numbers you'll see on offers.
APR is the yearly cost of borrowing expressed as a percentage. It includes interest and certain fees, so you can compare offers on equal footing.
A lower APR generally means less total cost over the life of the loan — but always check the full payment schedule and any origination fees.
The term is how long you have to repay the loan — from a few months to several years. Shorter terms often mean higher monthly payments but less total interest.
Longer terms can lower your monthly payment but may increase what you pay overall. Pick what fits your budget and timeline.
Lenders use credit history and score to assess risk. Higher scores often unlock better rates — but partners have different minimums and models.
Checking offers through Okolea may involve a soft inquiry that doesn't affect your score; a hard pull typically happens only if you proceed with a lender.
The amount you request should match your need — borrowing more than necessary increases cost. Partners set minimums and maximums by product and state.
Use our on-site tools to estimate monthly payments before you accept any offer.
These ranges are estimates across participating lenders. Okolea does not guarantee any rate, amount, or approval. Each offer document from a partner is the source of truth for your loan. See also our full Disclosures page.