Rates, Fees, & Repayment Disclosure

APR Range

Annual Percentage Rates (APR) within our participating lender network range from 5.99% to 35.99% for qualified borrowers. APR is determined by the lender based on creditworthiness, income, loan amount, loan term, state of residence, and other underwriting factors. Crunch Assistance has no control over the APRs offered to you.

Loan Amounts

Loans available through our network range from $100 to $10,000. Not every lender can fund the maximum amount, and the amount you may be offered depends on the lender's policies and your state's laws.

Repayment Period

Repayment periods range from a minimum of 91 days to a maximum of 72 months. Short-term and small-dollar products generally have shorter terms; installment loans typically have longer terms.

Fees & Costs

• Crunch Assistance service fee: $0. Our connection service is always free to consumers.
• Origination fee: Some lenders charge a one-time origination fee, typically 1%–6% of the loan amount, deducted from the funded amount.
• Interest: Charged at the APR disclosed in your loan agreement.
• Administrative or processing fees: May apply depending on the lender; will be disclosed in your loan agreement.

Late Payment & Non-Payment Penalties

If you miss a scheduled payment, your lender may charge:

• Late fees as allowed by your state law and the loan agreement (commonly $15–$30 per late payment, or a percentage of the missed payment).
• Returned-payment (NSF) fees if a payment is returned unpaid.
• Additional interest accruing on any unpaid balance.
• Collection costs and attorney fees if your account is referred to collections.

Non-payment may be reported to credit bureaus (Experian, Equifax, TransUnion) and can negatively affect your credit score. Always review your loan agreement for the exact fees and penalties that apply.

Representative Examples

These examples are illustrative only. Your actual rate, payment, and total cost will be disclosed by the lender before you sign.

Lender Contact Information

Each loan agreement you receive will include the full legal name, mailing address, and customer-service phone number of the lender originating your loan. Direct all questions about your specific loan — payments, payoff, hardship, complaints — to that lender's customer service line, which will be printed on your loan documents.