Naos Finances LLC operates Cash Advance Naos - Get Loans, a loan matching service that connects borrowers with a network of third-party lenders. We are not a lender—we do not make credit decisions, set interest rates, or charge loan fees. All rates, fees, terms, and approval decisions are determined solely by the lenders in our network. The information on this page is provided for educational and illustrative purposes only. It reflects representative examples based on typical loan products offered through our network. Your actual rate, fees, and terms will depend on your credit profile, income, employment, loan amount, repayment term, state of residence, and the specific lender's underwriting criteria.
Loan Amounts and Terms Overview
Our lending partners typically offer personal loans ranging from $100 to $5,000, with repayment terms from 3 to 24 months. Shorter terms generally result in higher monthly payments but lower total interest paid over the life of the loan. Longer terms may offer lower monthly payments but typically result in higher total interest. The loan amount and term you qualify for depend on the lender's evaluation of your application.
$500 Loan
| Term | 3–12 months |
|---|---|
| APR Range | 5.99% – 35.99% |
| Origination Fee | 0% – 5% of principal |
| Example (12 mo, 24% APR) | ~$45/mo |
$2,000 Loan
| Term | 6–24 months |
|---|---|
| APR Range | 5.99% – 35.99% |
| Origination Fee | 0% – 5% of principal |
| Example (24 mo, 18% APR) | ~$99/mo |
$5,000 Loan
| Term | 12–24 months |
|---|---|
| APR Range | 5.99% – 35.99% |
| Origination Fee | 0% – 5% of principal |
| Example (24 mo, 12% APR) | ~$235/mo |
Understanding APR
APR (Annual Percentage Rate) is the standard measure used to compare the cost of credit. It includes the interest rate plus certain fees (such as origination fees) that are typically charged over the life of the loan, expressed as a yearly rate. The APR allows you to compare loan offers on an apples-to-apples basis—a higher APR means you will pay more over time.
Your actual APR depends on many factors, including your credit score, credit history, income, employment stability, debt-to-income ratio, loan amount, repayment term, and the lender's policies. Applicants with stronger credit profiles typically qualify for lower APRs. Lenders may offer different rates for the same loan amount depending on the term length and your overall risk profile.
How Loan Amount and Term Affect Your Cost
Smaller loan amounts (e.g., $500–$1,000) often have shorter terms (3–12 months) and may carry higher APRs relative to larger loans, as the fixed costs of servicing are spread over a smaller principal. Larger loans (e.g., $2,000–$5,000) may offer longer terms (12–24 months) and, for qualified borrowers, potentially lower APRs. However, a longer term means more months of interest accrual—you may pay less per month but more in total interest. Always review the total repayment amount and the monthly payment before accepting a loan offer.
Common Fees
Lenders in our network may charge various fees. The following are common; your specific loan agreement will spell out exactly what applies to you:
- Origination fee: A one-time fee charged when the loan is funded, typically expressed as a percentage of the principal (e.g., 0%–5%). For example, a 5% origination fee on a $1,000 loan would be $50, and you would receive $950. Some lenders charge no origination fee.
- Late payment fee: Charged if a payment is received after the due date. The amount varies by lender and is disclosed in your loan agreement. Some lenders offer a grace period.
- NSF/returned payment fee: May apply if a payment is returned due to insufficient funds, a closed account, or other reasons. This fee is typically disclosed in your loan agreement.
- Prepayment: Many lenders allow prepayment (paying off the loan early) without penalty. Always check your loan agreement—some lenders may charge a prepayment fee if you pay off the loan before the end of the term.
All fees should be disclosed in your loan agreement before you sign. Review the Truth in Lending Act (TILA) disclosure provided by the lender, which shows the APR, finance charge, and total amount you will pay.
State Availability and Restrictions
Loan products may not be available in all states. Lenders in our network comply with state-specific laws regarding interest rates, fees, and loan terms. Some states have caps on interest rates or fees, or restrict certain loan types. If you are not matched with a lender, it may be due to your location or eligibility. We encourage you to check your state's consumer protection laws and to contact us if you have questions about availability in your area.
Tips to Lower Your Cost
- Borrow only what you need: Requesting a smaller loan amount may result in a lower total cost and easier repayment.
- Choose a shorter term when possible: Shorter terms typically mean less total interest, even if the monthly payment is higher.
- Compare offers: If you receive multiple loan offers, compare the APR, total repayment amount, and monthly payment to find the best option for your situation.
- Improve your credit score: Over time, improving your credit can help you qualify for better rates. Pay bills on time, reduce debt, and check your credit report for errors.
- Read the fine print: Before accepting any offer, read the loan agreement carefully. Understand all fees, the payment schedule, and what happens if you miss a payment.
Questions?
If you have questions about rates, fees, or how our matching process works, please visit our Contact page or review our Terms of Use and Privacy Policy. Remember: we are a matching service and do not set rates or fees. Your final terms will be determined by the lender you choose.