Loan amounts
$100 – $5,000
Not all applicants will qualify for the maximum amount. Minimum and maximum principal amounts may vary by lender and by state.
Rates & fees
This page summarizes typical ranges for products that may be presented through ALAMEDA HOME LOANS LLC services and the APPNAME application experience. Actual costs depend on the lender, your creditworthiness, the product you select, applicable law, and the disclosures you receive before you sign a loan agreement.
Repayment terms
3 – 24 months
Term length may affect your periodic payment and total cost of credit. Shorter terms often mean higher payments but lower total interest; longer terms may reduce payments but increase total interest.
Annual Percentage Rate (APR)
5.99% – 35.99%
APR expresses the annual cost of credit, including applicable interest and certain fees, as required by regulation. Your APR may be outside this range or unavailable depending on underwriting results.
Representative payment examples (illustrative only)
The table below shows hypothetical fully amortizing installment loans for three principal amounts. These examples assume a fixed APR and equal monthly payments for the full term. They are not offers or guarantees. Rounding, lender fee policies, and state rules may change numbers on an actual loan agreement.
| Principal | Example APR | Term | Approx. monthly payment | Approx. total repaid |
|---|---|---|---|---|
| $500 | 18.99% | 12 months | $46.15 | $553.80 |
| $2,000 | 24.99% | 18 months | $133.47 | $2,402.46 |
| $5,000 | 29.99% | 24 months | $268.42 | $6,442.08 |
Important: The APRs used in the examples are selected for illustration and may not be available to you. Monthly payment and total repayment amounts are estimates. Your loan agreement and Truth in Lending disclosures will control if you accept an offer.
Fees and charges you may encounter
Depending on the lender, product, and state law, a loan may include one or more of the following categories of charges. Not every loan includes every fee. You must rely on the itemization in your loan agreement and federal and state disclosures, not on this general summary.
Interest charges
Interest accrues on unpaid principal according to the interest method described in your loan agreement. Fixed-rate installment loans typically apply a portion of each payment to interest and a portion to principal according to an amortization schedule.
Origination or administrative fees
Some lenders charge an upfront or financed origination fee. If a fee is financed, it increases your amount financed and may increase your APR. If an origination fee is deducted from proceeds, the cash you receive may be less than the approved principal.
Late payment fees
If you do not make a scheduled payment by the due date, the lender may charge a late fee as permitted by your contract and applicable law. Late payments may also be reported to consumer reporting agencies and may increase your cost of future credit.
Non-sufficient funds (NSF) or returned payment fees
If a payment is returned or rejected by your bank, the lender may charge an NSF or returned payment fee.
Prepayment
Many installment loans allow early repayment. Some loans include a prepayment premium or minimum finance charge; others do not. Read your loan agreement for the exact rule that applies to your loan.
Understanding APR and comparing offers
- APR is not the same as the interest rate alone. APR is designed to help you compare credit offers on a consistent basis and may include certain fees as well as the interest rate, depending on product type and regulatory requirements.
- Lower APR usually means lower cost of borrowing, all else equal, but also consider term, payment amount, and whether fees are financed or paid upfront.
- Shorter terms can reduce total interest paid if you can afford the higher payment, but may not be suitable for every budget.
- Review the payment schedule in your disclosures to confirm due dates, amounts, and how payments are applied.
- Ask questions before you sign. If any fee, rate, or term is unclear, contact the lender’s support channel identified in your loan documents.
ALAMEDA HOME LOANS LLC does not guarantee that you will receive an offer, that an offer will fall within the ranges stated on this page, or that you will be approved for credit. Third-party lenders make independent credit decisions. Information presented here is for general educational purposes and is not a substitute for the disclosures provided with a specific offer.