Rates & Fees

Last updated: August 31, 2026

At valuefirstfinance.com, we are not a lender and do not make credit decisions or set interest rates. Once your loan inquiry is submitted and connected with a lender, your lender or lending partner will provide you with the details of their offer—including interest rates, repayment schedule, and any fees.

You are never obligated to accept a loan offer if the terms don’t meet your needs.

Repayment Details

Repayment terms vary depending on your lender’s policies and your preferences. Many personal loans are repaid either monthly or biweekly, and in some cases, your lender may allow automatic withdrawals from your bank account on your agreed payment dates.

Note: You are not required to set up automatic payments as a condition of receiving a loan. Be sure to thoroughly review the repayment terms offered by your lender or lending partner to ensure you understand your obligations.

Cost of a Personal Loan

The total cost of your personal loan will depend on several factors, including:

Your credit profile and history
The loan amount and repayment duration
The policies of the connected lender or lending partner
Your state of residence

Interest rates, fees, and other terms are set by the lender and will be clearly disclosed before you commit to a loan offer.

Typical Loan Parameters

While actual loan offers can vary, here are general ranges commonly seen from lenders in our network:

Category	Typical Range
Loan Amount	$100 – $5,000
Loan Duration	61 days – 72 months
Payment Frequency	Monthly or Biweekly
APR Range	Varies based on credit and lender terms (may reach up to 195%)
Prepayment Penalties	Varies by lender

We encourage you to carefully review any loan agreement and ask questions before making a financial commitment.

Payment Structure

Repayment terms generally range from 61 days up to 72 months, depending on the lender and the borrower’s qualifications. Loans are typically repaid in equal monthly installments, which include both principal and interest. Borrowers may pay off their loans early to reduce total interest charges.

Lending Disclosure

valuefirstfinance.com ("the Site," "we," "us") is not a lender and does not make credit decisions. We operate solely as an advertising and referral service: information you submit is shared with third-party lenders, lending networks, and financial service providers ("Providers") who may, at their sole discretion, extend an offer. We do not guarantee that any Provider will contact you or extend an offer. Short-term loan products referenced through the Site are intended for temporary financial needs, not as a long-term financial solution. Annual Percentage Rates on such products vary by Provider, applicant creditworthiness, and state of residence, and may reach up to 195%. We are not an agent or representative of any Provider, do not endorse any specific Provider or product, and have no control over, or liability for, the rates, fees, or terms a Provider may offer. You are solely responsible for reviewing and understanding the terms of any offer before accepting it and are under no obligation to accept any offer presented to you. All questions regarding a specific loan or offer must be directed to the issuing Provider. We receive compensation from Providers for each referral, which may influence the Providers, offers, or placement you are shown. Use of the Site is governed by our Terms of Use and Privacy Policy.

Credit Reporting Disclosure

The Site does not perform credit checks or obtain credit reports. By submitting a request, you provide written consent, as required under the Fair Credit Reporting Act, for Providers and their affiliates to obtain your credit report, credit score, and related consumer data from Equifax, Experian, TransUnion, and/or alternative data sources, for purposes of eligibility, verification, and offer matching. Late or missed payments on any loan may be reported to credit bureaus and may negatively affect your credit score.

No Guarantee of Match or Approval

Submission of a request does not guarantee that you will be matched with a Provider, approved for any product, or offered terms you find acceptable. Eligibility varies by Provider and state of residence. The Site does not list every Provider available in the marketplace, and you are encouraged to independently review and compare any offer received.