One fixed rate. No surprises.
Every approved applicant receives the same fixed 10% APR — it doesn't change with your credit, loan amount, or term. Here's exactly what that looks like.
Fixed APR for every applicant
10%
No teaser rates and no risk-based pricing. The same 10% fixed APR applies whether you borrow $2,000.00 or $50,000.00.
Key terms at a glance
- APR
- 10% fixed
- Loan amounts
- $2,000.00 – $50,000.00
- Terms
- 12 months / 24 months / 36 months / 48 months / 60 months months
- Origination fee
- $0.00
- Prepayment penalty
- None
- Funding
- Within 24 hours
Representative example
A $5,000.00 loan at a fixed 10% APR over 24 months.
- Amount borrowed
- $5,000.00
- Fixed APR
- 10%
- Term
- 24 months
- Monthly payment
- $230.72
- Total of payments
- $5,537.39
For illustration only. Your actual payment depends on the amount and term you choose; the 10% fixed APR is the same for all approved applicants. With $0.00 origination fees and no prepayment penalty, paying early only saves you interest.
Who's eligible
We look at affordability — your income and obligations — rather than a single credit score.
- A gross monthly income of at least $1,000.00
- A valid U.S. bank account (no prepaid cards)
- U.S. residency and basic ID
- All credit tiers welcome — no credit-bureau cutoffs
Disclosures: The 10% APR is fixed and identical for every approved applicant; it does not vary by credit tier, loan amount, or term. All loans are subject to approval and successful bank verification. Funding timelines are goals, not guarantees, and begin after you e-sign your agreement and your bank account is verified. Oakhill Loans handles your personal and financial information in accordance with the Gramm-Leach-Bliley Act (GLBA) and the California Consumer Privacy Act (CCPA).
Frequently asked questions
Every approved applicant receives the same fixed 10% APR. The rate does not vary by credit score, loan amount, or term.
Ready to get started?
Check your rate for a $2,000.00–$50,000.00 loan at a fixed 10% APR. It won't affect your credit score.