Last updated: January 2026
We believe you deserve to know exactly what a loan will cost before you commit. This page explains our rates, fees, and repayment terms in plain language. Your personalized rate is always disclosed in your loan agreement before you sign.
Minute Loan Center offers personal installment loans from $200 to $5,000. Your Annual Percentage Rate (APR), term, and payment amount are based on the amount you borrow, your state of residence, and your individual qualifications.
| Loan Amount | Representative APR Range | Typical Term |
|---|---|---|
| $200 – $500 | 20% – 160% | 3 – 6 months |
| $501 – $1,500 | 20% – 150% | 6 – 9 months |
| $1,501 – $3,000 | 20% – 130% | 9 – 12 months |
| $3,001 – $5,000 | 20% – 120% | 12 months |
The figures above are illustrative examples only. Your actual rate, term, and fees depend on the loan amount, your state, and your individual qualifications, and are disclosed in your loan agreement before you sign.
If you borrow $2,500 over 9 months at a representative APR, your fixed monthly payment and total cost are shown clearly before you sign. For example, a $2,500 loan repaid over 9 months might carry a fixed monthly payment in the range shown in your personalized offer.
You can estimate your own payment anytime using our loan calculator — no application required.
We believe in transparency. Any applicable fees are clearly disclosed in your loan agreement before you sign. Specifically:
Loans are repaid in equal monthly installments over a fixed term, typically ranging from a few months up to 12 months depending on the loan size. Your monthly payment stays the same for the life of the loan, so there are no surprises.
If you miss a payment or pay late, additional fees may apply and the late payment may be reported to credit bureaus, which can affect your credit score. If you anticipate difficulty making a payment, contact us as early as possible so we can discuss your options.
Loan products, amounts, rates, and terms vary by state and are subject to state law. Not all loan amounts or terms are available in every state. When you apply, we automatically check what is available in your location.
Want help understanding your numbers? Contact our team at [email protected] and we'll walk you through it.