Rates and Fees

There are no fees for loan applications. By submitting your personal and employment details, you agree to have your information checked and verified. You are not obligated to use this service or receive a cash advance. Residents and citizens of certain states may not be eligible for a cash advance.

The repayment period ranges from 61 days to 6 years. You will be notified of the final terms before accepting the cash advance.

Annual Percentage Rate (APR)

APRs range from a minimum of 5.99% to a maximum of 35.99% (for qualified consumers). You will be notified of the exact rate before accepting the cash advance. Credit decisions are based on the borrower’s income, credit rating, employment, and other criteria.

Representative Example of APR

If you borrow $3,000 over a 12-month term with an interest rate of 15%, your monthly payment will be $270.77. The total amount payable will be $3,249.30, with $249.30 in total interest, resulting in an APR of 15.00%.

Guide Money Borrowing LLC is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers, or agents of any lender. Submitting a request through our platform does not guarantee that you will receive a loan offer, or that any offer you receive will meet your financial needs or expectations. Participating lenders in our network offer loans from $100 to $5,000, but not all lenders can offer amounts up to $5,000. Loan availability and terms may vary based on the lender and your location. Our service is not available in all states, and residents of certain states may not be eligible to apply for loans through our platform.

Credit checks may be conducted by participating lenders with the three major credit reporting agencies: Experian, Equifax, and TransUnion. By submitting a loan request, you authorize the lenders in our network to verify your creditworthiness and access your personal information. Funds transfer times will vary depending on the lender and your financial institution. We recommend that you carefully review all terms and conditions of any loan offer before accepting it.

This service is not a solicitation for loan products in states where such loans are prohibited by law. The availability of loan products may be restricted by state laws, and you will be informed of any restrictions based on your state of residence during the application process.

Guide Money Borrowing LLC may share your personal information with third-party partners, and the website may contain links to third-party websites. Clicking on these links may result in a commission.

Please be aware that personal loans should not be considered a solution for long-term financial issues. If you are experiencing severe financial difficulties, we advise consulting a financial professional for assistance.