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All loans made by members of the FDIC. Rates are determined by credit score, loan amount, loan term, and credit usage & history. The APR ranges from 5.98% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. The APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 10% and the average origination fee is 5.49% as of Q1 2017. There is no down payments or prepayment penalties. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the website. All loans via Wealth Trendsetters have a minimum repayment term of 36 months or longer.