*The Annual Percentage Rate (APR) reflects the estimated total cost of the loan, including upfront fees ($0), accruing interest, and the effect of capitalized interest. Interest begins accruing after each loan disbursement. Rates shown include the .25% interest rate reduction for using the auto-pay feature. If monthly payment is calculated to be less than $50 per month for full term, lowest payment is $50 per month with term reduced. Not all borrowers qualify for the lowest rate. The rate you will receive (ranging from 3.49 – 7.69% APR with auto-pay) is based on the term of the loan, if the loan is cosigned (which lowers your rate), your credit score & financial history, your cosigner's credit score (if applicable), and other factors. First payment will be due approximately 30 days after the loan is disbursed. View application disclosure.