Rates & Fees

Transparent pricing with no hidden fees

Current Interest Rates

Rates are subject to change and vary based on creditworthiness, loan amount, and term.

Personal Loans

Personal Loans

3.5% APR

Loan Amount: $1,000 - $50,000

Term: 6 months - 7 years

Minimum Credit Score: 600+

Debt Consolidation

Debt Consolidation

3.5% APR

Loan Amount: $5,000 - $75,000

Term: 1 - 10 years

Minimum Credit Score: 650+

Home Improvement

Home Improvement

3.5% APR

Loan Amount: $2,500 - $100,000

Term: 1 - 15 years

Minimum Credit Score: 620+

Fee Structure

No Hidden Fees
No Hidden Fees All fees are clearly disclosed before you sign
Transparent Pricing
Transparent Pricing Know exactly what you'll pay with no surprises
No Prepayment Penalty
No Prepayment Penalty Pay off your loan early without extra charges

Fee Details

Fee Type Amount Description
Origination Fee 1% - 5% One-time fee for processing your loan application
Late Payment Fee $25 Charged if payment is received after due date
NSF Fee $45 Charged for returned payments due to insufficient funds
Prepayment Fee $0 No fee for paying off your loan early

Understanding APR

What is Annual Percentage Rate (APR)?

APR represents the true cost of borrowing, including interest and fees, expressed as a yearly rate.

Interest Rate

The base cost of borrowing the principal amount

Fees & Charges

Includes origination fees and other loan-related costs

Loan Term

The length of time over which you'll repay the loan

100%
Transparent Pricing
$0
Prepayment Fee
24/7
Customer Support

Regulatory Compliance

We operate in full compliance with financial regulations and consumer protection laws.

Licensed Lender
Licensed Lender Vesta Capitale is a fully licensed financial institution operating under financial regulations.
PIPEDA Compliant
PIPEDA Compliant We strictly adhere to PIPEDA guidelines for data protection and privacy.
Consumer Protection
Consumer Protection We follow all consumer protection regulations to ensure fair and transparent lending practices.

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