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Qualified clients using RocketLoans will see loan options for a 36 or 60 month term, and APR ranges from a minimum of 5.983% to a maximum of 28.99% depending upon their credit profile. For example, a 3 year $10,000 loan with an 8% interest rate and a 4% ($400) origination fee would have 36 scheduled monthly payments of $313.36 for an APR of 10.8%. All loans are made by Cross River Bank, a New Jersey state charted commercial bank, Member FDIC, Equal Housing Lender. All loans are unsecured, fully amortizing personal loans. Eligibility for a loan is not guaranteed, and all rates and terms are subject to application review and lender approval. To qualify, a borrower must be a U.S. Citizen at least 18 years of age (in Nebraska and Alabama a borrower must be at least 19 years of age). All loan applications are subject to credit review and approval and that offered loan terms depend upon credit score, requested amount, requested loan term, and credit usage and history. Not all borrowers receive the lowest interest rate. To qualify for the lowest rate, you must have excellent credit and meet certain conditions. Rates and Terms are subject to change at any time without notice.