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  • N Apply to borrow up to $3000*
  • N Rates From 278% APR - 1576% APR*
  • N 3-12 month repayment

Planning to get a $25,000 for a lawsuit loan and would like to know if how much would it cost you to repay it if ever you apply for a loan? One of the ways to find out the estimated cost you’ll have to repay is to use some loan calculator and you can find it online. It is a good thing to have plans ahead so that you can evaluate your income and how you will divide it to your debts and expenses.

There is no accurate cost you will have to pay for a $25,000 loan because lenders have different interest rates and also it may include other fees. But here’s an estimated loan cost for $25,000 according to scotiabank.com, if the interest rate is 0.5 % with a 5 year amortization then your monthly payment will be $0.00. Remember that this is only estimation and could not be accurate at all times. Your loan cost will still depend on your lender’s preferred rate and other charges they may sum up to your loan. In smartasset.com if your loan amount is $25,000 and your interest rate is 8% with terms of 3 years and the total interest you have to pay would be $3,203, your monthly payment would be $783, so the total cost for the principal amount of your loan plus the interest would be $28,203. This is only estimation, so other than that your lender might charge you for other fees.

For you to know if how much would it really cost you to loan for a $25,000, it will be better if you do some research first and make comparison of rates that lenders offer. Find the most suitable for your income and make sure that you’ll be able to keep up with your repayments. Some lenders post their requirements through online, you could try to get some information about the products and services they offer and plan ahead. Do some calculations, even if it’s just estimation it could still be a big help for you to anticipate your finances and manage your funds. This is a good attitude because you want to be a responsible borrower and you’re already thinking of how it would affect your credit score if you can’t actually afford to get the loan you need.

Are You Debating On What to Do with Your Extra Money?

Why not pay off your loan early? In addition to settling your debt, you get to be psychologically free and not worry about your future payments. Although it’s not always the optimal move, it’s rarely a horrible move as well. Either way, you get your debt paid.

But it’s a case to case basis. Some loans can’t even be paid off early because lenders fine you for it.

In your case, see if you benefit anything from the debt, compare those benefits to keeping the loans in place. Depending on the situation, you usually save money in the long run.

Benefits of Early Loan Payment

The most obvious one would be, you’ll be saving money by not paying interests anymore. The longer your loan drags off, the higher the interest becomes. And the only trade-off for paying your debts early is that you won’t have extra money for other things. The monthly budget might be tight, but that’s just a small price to pay as you can now plan your future expenses on much better things.

While having financial freedom, you also have financial strength. Once you’ve settled your debt, you can now save for the future while being in a strong financial position. The money you set aside during your monthly payments can now be used for other things.

You also increase your credit score, and there’s nothing a lender would love more than a good credit score. And that would provide you better options in the future if you’re in a situation where you need to get a loan again.

Most importantly, nothing can ever put a price on the happiness of being debt free. Not having to worry about monthly payments anymore.

Now, it’s up to you to weigh the pros and cons, consult your lender on options about paying early. Be it paying it all in one go or paying extra each month. Cooperate with your lender so you’ll know the best course of action for you.

Choosing The Right Loan

If you are having financial problems, considering a loan might be a good option. However, you need to carefully choose which loan you need before applying for it. Unsecured loans such as payday loans, credit cards, short-term, and other similar types can be great during emergencies. However, keep in mind that unsecured loans may have higher interest rates compared to secured business loans. It is highly recommended for emergency situations but should not be considered for long-term goals.

Ready To Get Started?

Select Your Loan Choose the loan that is suitable for your needs. We have plenty of loan options you can choose. Whether you’re planning to buy a new car or need a short cash to keep your day rolling. we have everything prepared for you.

Provide Your Information After you have selected a loan, visit the lender’s site and complete an online form. You need to provide your details for us to process your application. You will receive a notification once everything is already completed.

Get Your Funds Results are posted in just a few minutes. Once you are approved, the amount that you have requested will be deposited immediately and directly to your checking account. Automatically, the money will be posted and you can use it to pay for online or offline transactions.

Frequently Asked Questions

Got questions? We have answers!

How Fast Can I Get The Money?

You can have the funds in as fast as 15 minutes. All you have to do is to complete an online form and provide your information. Processing your application would take a few minutes or less. Once approved, the funds that you have requested will be deposited instantly to your account.

Do I Need A Guarantor?

If your credit is good, most lenders would be okay with you not providing a guarantor. Unsecured loans are extra risky for lenders due to the absence of collateral. With no other backing aside from the borrower’s creditworthiness, it would be reasonable for lenders to demand extra security. If you currently don’t have a credit history, it would be best to go for a guarantor loan.

What If I Miss My Payment?

There are times that this could happen. We understand that there are circumstances that prevents you from paying on time. If you are having difficulties paying off your loans, you can reach out to your lender to provide you with convenient options. Delayed or missed payments could set you back and cost you additional fees and charges.

What Happens If I Lie On My Application?

Even if you’re tempted to, don’t lie on your application. Once a lie is caught, the lender may void all your application and incur additional fees and penalties. Worse, if you have falsified your documents, you might end up locked in a cell for a very long time.

What Is A Payday Loan?

Payday loans are types of unsecured loans that are easily obtained. If you’re in need of immediate cash assistance, payday loans are your best friend. You can have the funds immediately on the same day of application. Repayment terms are also flexible. You can either have it tied on your next paycheck or pay it in advance.

What is a Guarantor Loan?
If you’re just started building your credit, you might find it hard to look for better loan opportunities. If that’s the case, going for a guarantor loan might be the best for you. For this type of loan, the lender would require a guarantor to co-sign the loan agreement. The guarantor is involved in the lending process. If the borrower defaults on the loan, the guarantor takes the responsibilities to make sure that the debt is paid.
What is a Logbook Loan?
Logbook loans are types of loans that require the borrower to hand over their ownership of a particular asset; a vehicle for example. The loan will be backed by collateral. If the borrower defaults on the loan, the lender may seize the vehicle and sell it to compensate the loan payment.