BORROW FROM $100 TO $2,500

APR Rates and Disclosures

Stateside Loans is not a lender. Because of this, we are not able to confirm the exact APR rate that you will be charged. Should you have reached our site via a paid Google advert, you will have seen repayment terms ranging from 3 to 24 months, together with illustrated rates of no greater than 4.95% minimum to 35.95% maximum (calculation consistent with the Truth In Lending Act, TILA).

To apply for a loan, you will need to be 18 years or older. The rate of APR you will be charged will be set by the lender. The figure can vary and, will be based both on the information that you provide to the lender within your loan request and the information the lender supplied to you. The lender will always notify you of the APR they can offer you.

APR rates are based on how creditworthy you are, the rates are subject to change without notice which could result in the rate and amount you pay back varying.

Once your application has been accepted by a lender, they will provide you with all the facts associated with the loan. This will include the APR, any associated loan finance charges and all of the terms you will be agreeing to. It is prudent that you read all information submitted to you by the lender to ensure that you can make an informed decision prior to accepting a loan offer.

Stateside Loans refers consumers to trusted, reputable lenders who are able to provide loan information and advice – we do not charge for this service.

Representative Examples:

If you borrowed $2,000 over a 12-month period and the loan had a 3% arrangement fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44.
Representative 29.82% APR.

If you borrowed $5,000 over a 48-month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12.
Representative 18.23% APR.

Submitting your loan request form on Stateside Loans is absolutely free. Our website offers an infomediary service that will attempt to connect you with independent, third party lenders who may secure a loan for you. We are not lenders and do not broker loans or make credit decisions. Although we are not lenders, we encourage consumers to research the rules and regulations regarding short-term loans, specifically the Truth in Lending Act, which requires lenders to fully disclose all loan fees and interest rates that borrowers may incur. All loan fees and interest rate information should be disclosed to you by your lender at the time of approval

The above APR examples are only available to certain loan customers.

Lender's Disclosure of Loan Terms

When you are connected with a third-party lender on our website, the lender will provide you with documents that contain all rate and fee information regarding the loan being offered to you. It is important that you thoroughly review the rate and fee information provided to you by your lender prior to agreeing to the terms of any loan. You are under no obligation at any time to accept these loan terms if you determine they are unsuitable. If you wish to proceed with the loan process after deciding that the loan terms provided by the lender in the loan contract are acceptable, then you may electronically sign the lender's acceptance page and simply wait for your funds. It is important to remember that the loan interest rates, fees, and loan terms are determined solely by your lender. Because Stateside Loans is not a lender, we have no control or knowledge of the loan details between you and your lender.

Late Payment

Short term lenders may have different policies regarding late payments. Please ensure that you thoroughly review the late payment policy detailed in the loan documents and loan contract your lender provides before electronically signing and thereby agreeing to the loan terms. It is important to note that all lenders must abide by applicable federal and state laws and regulations regarding late payment fees. You are encouraged to research and review the applicable laws regarding short term loans and late payments in the state which you reside.


In the event that you are unable to repay your loan, your lender may impose additional fees or charges. Our website uses commercially reasonable efforts to only work with a network of reputable lenders who are committed to using fair and reasonable debt collection practices. All lenders must abide by applicable federal and state laws and regulations regarding collections of past due accounts. We encourage consumers to not accept any loans that they cannot repay.

Loan Renewal

Lenders may have different terms and policies regarding loan renewal options and it is important for you to thoroughly read your lender's loan renewal terms before signing and accepting a loan. Where rollovers or repayment extensions are granted, interest rates, along with any late fees and additional charges that may be imposed, can substantially increase the dollar amount to the end cost of your loan. You are encouraged to review and understand your lender's terms regarding loan renewal options before signing the loan contract.


Our application process requires us to send you multiple SMS messages to provide you information regarding your Loan Application. This will also consist of details relating to specific Lenders and the service provided by StateSideLoans / TFLI and will also include periodic SMS messages as new lenders and products are added to our panel.
You can opt out from these messages at any time.