Rates, fees, and repayment terms
Noxti Money LLC (“Noxti Money,” “we,” “us,” or “our”) operates the APPNAME mobile application and related website as a technology and matching service. We are not a lender and do not set interest rates, fees, or repayment terms. Any loan product you may be offered is originated, underwritten, and serviced by an independent third-party lender or partner that is solely responsible for its credit decisions, disclosures, and compliance with applicable law. The information on this page is provided for general educational purposes and reflects illustrative ranges that may be available in the market for certain consumer loan products. Your actual offer—if any—will depend on the lender’s underwriting, your creditworthiness, state of residence, loan amount, term, and other factors.
Overview of illustrative ranges
Loan amounts
$100 – $5,000
Not all lenders offer the minimum or maximum amount. Minimum and maximum amounts vary by lender and state law.
Repayment terms
3 – 24 months
Term length may be expressed in months or bi-weekly installments depending on the lender. Shorter terms may mean higher periodic payments.
Annual percentage rate (APR)
5.99% – 35.99%
APR is the cost of credit expressed as a yearly rate. Your APR may be higher or lower than this illustrative range or you may receive no offer.
Illustrative repayment examples
The table below shows hypothetical monthly payments and total amounts repaid for three sample loan amounts, assuming the loan is repaid in equal monthly installments over the stated term at a fixed APR. Rounding may apply. These examples do not include optional fees (such as late fees or non-sufficient funds fees) that a lender may charge if you miss a payment or fail to maintain your account as agreed. Examples are for comparison only.
| Principal | Term | Illustrative APR | Approx. monthly payment | Approx. total repaid |
|---|---|---|---|---|
| $500 | 12 months | 12.99% | $44.60 | $535.20 |
| $2,000 | 18 months | 18.99% | $128.40 | $2,311.20 |
| $5,000 | 24 months | 24.99% | $267.00 | $6,408.00 |
The APRs used in the examples (12.99%, 18.99%, and 24.99%) are chosen for illustration within the broader stated range of 5.99% to 35.99% and do not represent a minimum, maximum, or “typical” rate you will receive. A lower APR generally reduces the total finance charge; a higher APR or longer term increases the total cost of borrowing. If a lender compounds interest, uses a different payment frequency, or amortizes principal differently, your payment schedule and total cost will differ.
Fees and charges
Origination fees: Some lenders charge an origination or administrative fee that may be deducted from the loan proceeds or financed into the loan. If applicable, the lender will disclose the dollar amount and APR impact before you accept the loan.
Late payment and returned payment fees: If you do not pay on time, lenders may charge late fees or non-sufficient funds (NSF) fees as permitted by your loan agreement and state law. These fees are separate from the APR and increase your total cost.
Prepayment: Some lenders allow early repayment without penalty; others may impose prepayment fees or use precomputed interest. The lender’s agreement will state whether you can prepay and how any savings are calculated.
Third-party fees: You may incur separate fees for optional products (for example, credit insurance) or services not included in the loan’s APR. Only purchase optional products if you understand the cost and whether they are required by the lender.
Our compensation: Noxti Money may receive compensation from lenders or partners when you interact with or obtain a product through APPNAME. This compensation does not change the rate or fees the lender sets for your loan, but you should review all offers carefully.
Understanding APR
The Annual Percentage Rate (APR) is designed to help you compare credit offers on a consistent basis. It generally includes the interest rate and certain fees (such as origination fees) that must be included under Regulation Z. It does not include every possible charge—for example, late fees after you sign. Comparing APRs for similar loan amounts and terms is more useful than comparing nominal interest rates alone.
Fixed vs. variable: Some loans have a fixed APR for the life of the loan; others may have a variable rate tied to an index plus a margin. If your rate is variable, your payment amount and total cost can change over time. Your lender’s disclosures will describe the index, margin, and adjustment frequency.
High-cost credit: Depending on your state of residence and the product type, a loan may be subject to state rate caps, licensing requirements, or special disclosures. If you believe a loan is not suitable for your needs, do not proceed. Consider seeking alternatives such as a credit union, employer-sponsored program, or nonprofit credit counseling.
State availability and changes
Loan products, rates, and terms vary by state and may change over time based on lender participation, regulatory changes, and market conditions. We may update this page periodically. The terms that control your relationship with a lender are those in your signed loan agreement and the disclosures provided at or before consummation.
Questions
For questions about APPNAME or the matching process, contact [email protected] or call (573) 405-1881. For questions about a specific loan’s rate, fee, or balance, contact the lender directly using the contact information on your loan documents.