the lender doesn't publish its APR range publicly — here's everything we know about their rates, fees, and what you can do to get better terms.
The single biggest factor. Better credit history = lower rate. this lender works with bad credit but will charge higher rates to compensate for elevated risk.
Stronger collateral (paid-off vehicle, liquid savings) typically means better terms. Higher-value collateral reduces lender risk and may lower your rate.
Larger loan amounts may come with different rate structures. the company ranges from $1,000 to $10,000 — your specific amount request influences the offer.
Steady employment history and consistent income strengthen your application and can result in more favorable rate offers.
Rate comparison
| Lender type | Typical APR range | Best for |
|---|---|---|
| Bank (good credit) | 7% – 20% | 670+ credit score |
| Credit union | 8% – 18% (capped by law) | Members with fair+ credit |
| Online lender (fair credit) | 18% – 36% | 580+ credit score |
| them | Not disclosed — positioned below payday | Bad credit in IN/KY/OH |
| Title loan | 100% – 300%+ APR | Emergency only (high risk) |
| Payday loan | 300% – 600%+ APR | Avoid if possible |
A paid-off vehicle or liquid savings account signals lower risk to the loan and can meaningfully improve your rate offer.
A co-applicant with better credit reduces lender risk across the entire application, often resulting in better terms for both.
Requesting the minimum amount you need may result in a more favorable rate structure than borrowing the maximum.
Before applying online (and triggering a hard inquiry), call your local branch to discuss what rates they typically offer for your profile.
Use our Eagle Loan calculator to estimate payments at 36%, 60%, and 90% APR. Knowing your range prevents sticker shock at closing.
📈 Related: Does Eagle Loan show on your credit report? Full overview →
APR is the most useful number for comparing loan costs — it includes the interest rate and annualizes it so you can compare across different loan amounts and terms. A $3,000 loan at 60% APR over 18 months costs approximately $1,400 in total interest. That same $3,000 at 36% APR over the same term costs about $750 in interest — roughly half as much.
Before signing any loan agreement, ask the officer to show you three numbers: the APR, the total interest paid over the full term, and the monthly payment amount. These three figures tell you everything you need to evaluate whether the loan makes financial sense for your situation.