Rates & Fees
How lendinblue.com works financially: we don't charge you, lenders do. Here's the rate and fee picture you should expect.
What lendinblue.com charges you
Nothing. lendinblue.com is free for consumers. We are paid by lenders when we connect them with a consumer who submits a request. You will never see a charge from LendInBlue Finance LLC on your bank statement.
What lenders charge
Every lender sets their own pricing. The lender's offer to you will state the Annual Percentage Rate (APR), origination fees, late fees, and the repayment schedule in writing under the Truth-in-Lending Act. You should see this before you sign.
Representative APR ranges
Across the network, APRs vary widely:
| Product type | Typical APR range | Term |
|---|---|---|
| Short-term / single payment | 200% – 800% APR | 2–4 weeks |
| Installment (state-licensed) | 59.99% – 199.99% APR | 3–24 months |
| Installment (longer-term) | 5.99% – 35.99% APR | 12–60 months |
| Tribal-sovereign lender | May exceed state caps | varies |
Worked example
Hypothetical: you borrow $500 for 14 days at 391.07% APR. Total finance charge: ~$75. Total to repay: $575. (This is illustrative; actual amounts depend on the lender's offer.)
The cost of paying late
Late or missed payments can trigger fees, additional interest, NSF charges from your bank, collection efforts, and a negative impact on your credit report. Read the lender's late-payment policy before signing.
What to compare
- The APR (not just the monthly payment).
- Total finance charge over the life of the loan.
- Origination or upfront fees.
- Prepayment penalties (some lenders charge, some don't).
- Late-payment policies.
Military Lending Act
Federal law caps the all-in APR of consumer credit extended to active-duty service members and their dependents at 36%. The cap covers interest, credit insurance, ancillary product fees, and most other costs.