L

Lumen

From 4.99% · no credit check at 10%

No credit check. 10% flat.

The rate does not move with a score. Set the amount, then lock the sample.

Monthly payment

10.00% APR

$161.34

No credit check · $5,000 · 36 months · no credit check

Interest
$808
Total paid
$5,808
Last payment
$161
Interest on this estimate$808
Same loan at 12.49%$1,021

About $213 less interest than the 12.49% comparison over 36 months.

Principal and interest by yearPrincipalInterest
Loan

$5,000

$1,000 to $15,000, in steps of $500

Term
Credit check

This sample does not use a credit band. The APR stays 10.00% for every score.

How this payment is calculated

Standard amortizing loan. Monthly rate is the sample APR divided by 12. Each payment covers that month’s interest first, then principal. The sample has a $0 origination fee and a $0 prepayment penalty. The 12.49% figure is a comparison rate, not a second offer.