APR Disclosure: Annual Percentage Rates (APR) range from 6.99% to 35.99% for first-time borrowers. The actual rate you receive will depend on your credit score, credit history, loan amount, and loan term. Lowest rates are reserved for the most creditworthy borrowers. A typical personal loan example: A $10,000 loan with a 36-month term and an APR of 11.99% will have a monthly payment of $332.14. Total repayment amount will be $11,957.15. Loans may include an origination fee from 1% to 8%.
Credit Implications: Checking your rate generates a soft inquiry on your credit report, which has no impact on your credit score. If you accept a loan offer, a hard inquiry will be performed, which may affect your credit score.
State Availability: Orchard Key's services are not available in all states. Loan amounts, terms, and APRs vary by state due to state regulatory requirements. Orchard Key is a state-licensed lender where required.
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