To check the rates and terms you qualify for, Level Lending conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Terms and conditions apply. Level Lending RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet Level Lending’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If Level Lending is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. Level Lending Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of Level Lending Personal Loans funded in 2021 was around $23k. Information current as of 10/12/22. Level Lending Personal Loans originated by MBOCAL, Inc. dba Level Lending NMLS #1196442 (www.nmlsconsumeraccess.org). See Level Lending.com/legal for state-specific license details.
Personal Loan Rates and Terms: Fixed rates from 7.99% APR to 23.43% APR. Level Lending rate ranges are current as of 5/20/22 and are subject to change based on market conditions and borrower eligibility. Interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a Level Lending loan. Minimum loan requirements might be higher than $5,000 and interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a Level Lending loan. The average of Level Lending Personal Loans funded in 2021 was around $23k. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Subject to receipt of required documentation, underwriting guidelines, and processing time by your institution. Loans for amounts over $20,000 may require additional underwriting review time. Funds are disbursed via ACH as soon as the next business day after approval and acceptance of terms. Autopay is not required to receive a loan from Level Lending.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Level Lending reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 7.99% APR to 23.43% APR. Enrolling in autopay is not required to receive a loan from Level Lending. Loan Terms: Level Lending Personal Loans offer loans with a period of repayment between 2 and 5-year terms. Loan Fees: Level Lending personal loans have origination fees from $100 to 5% of the loan amount, depending on state guidelines, $25 late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, and a fixed rate between 7.99% APR to 23.43% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. Level Lending does not offer variable rate personal loans. State restrictions may apply.
* Same-Day Personal Loan Funding: 86% of typical Level Lending Personal Loan applications, excluding Direct Pay Personal Loans and Personal Loan refinance, from January 1, 2021 to December 1, 2021 that were signed before 7pm ET on a business day were funded the same day.
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Level Financing eSignature Consent
By checking the box and pressing continue below, you consent to receive disclosures from Level Financing (“we” or “us”) electronically through this website or by email. By consenting to the electronic delivery of disclosures, you agree that we may provide electronically any and all communications concerning our decisions on your application, the terms of any loan that may be provided to you, our privacy policy, the status and history of your loan and any further disclosures required by federal or state law (the “Disclosures”). The Disclosures may include disclosures pursuant to:
- (1) the federal Equal Credit Opportunity Act and Regulation B
- (2) the federal Fair Credit Reporting Act
- (3) the federal Truth in Lending Act and Regulation Z
- (4) the federal Electronic Funds Transfer Act and Regulation E
- (5) the federal Gramm-Leach-Bliley Act
- (6) the federal Telephone Consumer Protection Act and
- (7) any other applicable federal, state or local law or regulation
Your consent applies not only to the application and any resulting loan but also to any payment plan or other ancillary agreement related to your loan and to any future loans from, or arranged by, us. To electronically receive and view and electronically save or print the Disclosures, you must have:
- (1) a personal computer or smartphone with Internet access
- (2) a widely-used, recent-generation web browser (for example, Chrome, Internet Explorer, Safari or Firefox)
- (3) a portable document file reader (for example, Adobe Reader)
- (4) the email address specified on your application (or a new email address you subsequently provide us) and
- (5) either a printer, hard drive or other storage device
We anticipate that any emails we send you may have file sizes up to 5mb (but not larger). You should make sure that any spam filter you use is set to allow receipt of messages from info@level-financing.com. If the electronic contact information you have supplied us changes, please notify us of your new contact information by sending an email to info@level-financing.com. You represent that you have the hardware, software, email address and email capacities described above. You have the right to withdraw your consent to receipt of electronic disclosures, but any withdrawal of consent will only operate prospectively as to future disclosures. Prior to submission of your application and execution of the loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting this website. To withdraw your consent after this time, send an email stating that you withdraw your consent to receipt of electronic disclosures to info@level-financing.com, call (888)-619-1770, or mail a request to 970 RESERVE DR, #201, ROSEVILLE, CA 95678, 888-922-4015. Include your name, address, and loan number in any such request. To update the contact information we have for you, please call us at (888)-619-1770 or email your updated information to info@level-financing.com. You have the option to receive any information that we have provided electronically in paper form at no cost to you.
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LEVEL Financing Contact Authorization
Telephone Calls—Monitoring, Voice Mail, SMS and Email Messages: We, along with our agents, representatives, and service providers (collectively “we” or “us”), may use an automated telephone dialing system and manual calls to provide live and pre-recorded messages to our customers about loan due dates, collection matters and other important information. These messages are played automatically when the telephone is answered whether answered by you or someone else. They may also be recorded by your answering machine or voicemail. You give us your consent to call any telephone number you have given us, even if the number is a work number, cell number or any other number, and even if you are charged for the call.
You agree that we may play live and pre-recorded messages with information about any loans(s) you have with us. You agree that we will not be liable to you for any such calls. You also agree that from time to time, we may monitor and record telephone conversations between you and us. Additionally, unless you opt out, you agree to receive messages about loan due dates, collection matters and important information from us via SMS text messages on your cell phone and by email. You also consent that we – or in the event that your account is turned over to a third party for collections, our collections agents – may contact you via email to any email address associated with your account. In addition, you consent that we may transmit SMS/Text messages to any wireless telephone number associated with your account.
This agreement shall remain in effect until you opt out. To opt out, you may notify us by replying “STOP” to the message you received from your mobile device, or by sending written instructions to us via email (info@level-financing.com) or regular mail (at the address 970 RESERVE DR, #201, ROSEVILLE, CA 95678, 888-922-4015). You may request help by replying “HELP” to the message you received or by calling (888)-619-1770.
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LEVEL Financing Other Messaging Policy
By checking the box and clicking “Continue”, you authorize us, our agents, representatives, and service providers to call or send text messages to the mobile number you have provided in your application, and any mobile number you later provide, using an automatic telephone dialing system or prerecorded messages. You are not required to authorize marketing calls or marketing text messages in order to obtain credit or other services from us. If you do not wish to receive sales or marketing calls or text messages from us, you should not consent to this section.
You understand that any calls we make or messages we send you may be accessed by anyone with access to your mobile device. You also understand that your mobile phone service provider may charge you fees for calls or text messages that we send you, and you agree that we shall have no liability for the cost of any such calls or text messages. All standard wireless carrier fees and data charges may apply.
At any time, you may withdraw your consent to receive marketing calls or text messages to your mobile device by calling us at (888)-619-1770. Alternatively, simply reply “STOP” to any marketing text message that we send you.
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