Rates and Fees

FundsJoy is not a lender and does not make credit decisions. The service is free to consumers. A participating lender determines all loan amounts, annual percentage rates, finance charges, repayment schedules, late fees, renewal terms, and other conditions.

Repayment Period: The minimum loan repayment period is 65 days, and the maximum repayment period is up to 36 months depending on the lender network's terms.

Maximum APR: The Maximum Annual Percentage Rate (APR) is 5%. Rates will vary based on your credit worthiness and individual lender policies.

Review the loan agreement carefully before accepting an offer. You are not required to accept any offer.

Representative example

If you borrow $2,500 for one year at a 5% APR, the monthly payment may be approximately $214.03 and the total amount payable approximately $2,568.36. Actual terms will differ.