Above Lending, Inc. ("Above") (NMLS #1869563) markets, brokers, and/or originates unsecured consumer installment loans on behalf of itself and its Lending Partners. Any offers presented through this website are current estimates based on limited information we have about you. There is no guarantee that you will be approved for a loan or that you will qualify for the loan amount, interest rates, or terms offered/displayed. By applying for a loan, you are consenting to us sharing your information with Lending Partners and affiliates. Products and services offered through this site may not be available in all states.
Above may earn a fee if you obtain a loan or other products and services from a third party as a result of Above's marketing efforts. However, Above will not charge you a fee for such referrals.
Key disclosures regarding loan terms and credit
Above and/or its Lending Partners' loan terms vary with loan amounts ranging from $1,000 to $100,000, annual percentage rates (APR) ranging from 5.9% to 36%, origination fee up to 5% of the amount financed, and repayment terms from 12 to 84 months. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates.
A typical Above Personal Loan has a loan amount of $14,725, a 5% origination fee, a 52-month repayment term, and an interest rate of 22.60%. You would receive $13,989 ($14,725 less the $736 origination fee - a pre-paid finance charge) and the monthly payment would be $446.32 equating to an APR of 25.44%. The total interest would be $8,506.20 and the total cost of the loan (interest plus origination fee of $736) would be $9,242.44. The total of payments would be $23,231.04.
Review of Credit Information: When you check your rate and review loan offers, Above and/or its Lending Partners will perform a soft inquiry on your credit report, which won't impact your credit score. Soft inquiries can only be seen by you. Prior to or when your loan is funded, Above or the lender will perform a hard inquiry on your credit report, which may impact your credit score and can be viewed by third parties.
Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
