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All loans are made by Royal Blue Funding lending partners, Member FDIC, Equal Housing Lender. All loans are unsecured, fully amortizing personal loans. Eligibility for a loan is not guaranteed. Qualified clients using Royal Blue Funding will see loan options for a 1 year to 100 years term, and APR ranges from a minimum of 3.98% (rate with autopay discount) to a maximum of 49.99% (rate without autopay discount) depending upon their credit profile. An origination fee of 1% - 10% is charged for each loan. This fee is deducted from the balance before funds are disbursed to the client. For example, a 5 year $10,000 loan with a 10.5% interest rate and a 2.99% ($299) origination fee would have 60 scheduled monthly payments of $214.94 for an APR of 11.855% (rates assume autopay discount). Borrower must be a citizen of the country of residence. Borrower at least 18 years of age. All loan applications are subject to credit review and approval and offered loan terms depend upon credit score, requested amount, requested loan term, credit usage, credit history and other factors. Not all borrowers receive the lowest interest rate. To qualify for the lowest rate, you must have excellent credit, meet certain conditions. Rates and Terms are subject to change at any time without notice.
Accept your loan offer and your funds will be sent electronically to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days.
Same Day Funding availability for loan amounts up to $25,000, and client must complete loan process and sign Promissory Note by 1:00PM ET on a business day. Also note, the ACH credit will be submitted to your bank the same business day. This may result in same day funding, but results may vary and your bank may have rules that limit our ability to credit your account. We are not responsible for delays which may occur due to incorrect routing number, account number, or errors of your financial institution.