All DreamSpring loans offer a fixed interest rate, but individual rates are determined based on each person's education, credentials, work experience, and credit history.

The interest rate is the rate at which unpaid principal accrues interest.  Interest is accrued on a daily basis. The total cost of the loan can be understood by the APR which reflects the annual cost of a loan inclusive of interest other associated fees.

Our APR ranges from:

See website to 36% for 3- & 5-year loans;