Fixed Rate Personal Loans From a Direct Lender
Borrow $2,000 to $10,000 at one fixed 10.00% APR — the same rate for every approved borrower.
Terms from 12 to 48 months, no origination fee, and no prepayment penalty.
Calculate Your Monthly Payment
Fixed 10.00% APR on all personal loans.
Your Monthly Payment
$346.09
month for 24 months
Fixed 10.00% APR. No origination fee and no balloon payment. Figures are estimates — your final terms are disclosed in your loan agreement before you sign anything.
What is a Fixed Rate Personal Loan?
A fixed rate personal loan is an unsecured installment loan you repay in equal monthly payments over a set term, at an interest rate that never changes. No collateral, no balloon payment, no repricing halfway through.
The alternative is variable rate credit, which includes nearly every credit card. A card at 24% APR today can be at 27% next year, because its rate floats with a benchmark. A fixed rate personal loan at 10.00% APR is 10.00% APR in month one and in month forty-eight.
That predictability is the point. You know your monthly payment before you sign, and you know the total cost of the loan before you sign.
Fiona Loans at a Glance
$2,000–$10,000
Loan Amounts
10.00%
Fixed APR
12–48 Mo
Month Terms
50 States
U.S. States Served
| Feature | Fiona Loans Offering |
|---|---|
| Loan amounts | $2,000 minimum — $10,000 maximum, in $500 increments |
| Interest rate | 10.00% fixed APR, identical for every approved borrower |
| Loan terms | 12, 24, 36, or 48 months |
| Origination fee | $0.00 |
| Application fee | $0.00 |
| Prepayment penalty | None |
| Credit requirements | All credit profiles considered |
| Availability | All 50 U.S. states |
| Funding | Typically one business day after your agreement is signed |
Why One Rate Instead of a Range
Most lenders advertise a range — “rates from 7.99% to 35.99% APR” — and you discover where you land only after you apply. That spread exists because of risk-based pricing: a model assigns you a tier, and the tier sets your price.
Risk-based pricing charges the most to the people with the least capacity to absorb it. Thin credit files, interrupted employment histories, old medical collections. The applicants who most need a manageable payment are routinely the ones quoted above 30%.
We removed the variable. Fiona Loans makes an approval decision — yes or no — and every yes receives 10.00% APR. We won't always be able to approve an application, and we won't pretend otherwise. But when we can, your credit history never costs you extra.
Why Choose Fiona Loans?
We're a direct lender, not a broker. We fund our own loans, make our own credit decisions, and service the accounts ourselves — so the rate you see here is the rate on your agreement.
One Fixed Rate
Every approved borrower receives the same 10.00% APR. No risk-based pricing, no rate sheet, no "as low as." Your rate is fixed for the life of the loan, with a $0 origination fee and no prepayment penalty.
Fast, Predictable Funding
Once you complete phone underwriting and e-sign your agreement, we work to disburse your funds within one business day. Most borrowers see the deposit the following morning.
All Credit Profiles Considered
We look at your current income and your ability to repay, not just a three-digit score. A thin file or a rough patch doesn't disqualify you — and it doesn't change your rate. Approval isn't guaranteed, but your credit history never costs you more.
What a Fiona Loans Personal Loan Costs
| Loan amount | 12 months | 24 months | 36 months | 48 months |
|---|---|---|---|---|
| $2,000 | $175.83 | $92.29 | $64.53 | $50.73 |
| $2,500 | $219.79 | $115.36 | $80.67 | $63.41 |
| $5,000 | $439.58 | $230.72 | $161.34 | $126.81 |
| $7,500 | $659.37 | $346.09 | $242.00 | $190.22 |
| $10,000 | $879.16 | $461.45 | $322.67 | $253.63 |
All figures at a fixed 10.00% APR with no origination fee. See the full rate sheet on our Rates & Fees page.
Why “no origination fee” matters more than it sounds
A lender quoting “10% interest” with a 5% origination fee on a $10,000 loan hands you $9,500 and charges interest on $10,000. The effective APR is meaningfully higher than the advertised rate. Our origination fee is $0.00, so the amount approved is the amount deposited, and 10.00% APR is the whole cost.
Personal Financing for Every Purpose
Fiona Loans works for most ordinary borrowing needs. Because we consider applicants across the credit spectrum, you don't need a perfect file to be considered — you need income you can document and an account we can verify.
- Debt consolidation — replace several card balances with one fixed monthly payment at a fixed rate
- Emergency expenses — unexpected bills that can't wait for the next paycheck
- Auto repair — the most common use we see, because a car that won't start puts a job at risk
- Medical and dental bills — including the balance insurance didn't cover
- Home improvement and repairs — roofs, HVAC, plumbing, storm damage
- Major life events — moving, weddings, funerals, short-notice travel
How to Get a Personal Loan From Fiona Loans
Apply online — about five minutes
Enter your loan amount, term, purpose, identity, income, and banking details. You'll receive an Application ID immediately.
Complete underwriting by phone
Call (747) 200-5930. A specialist verifies your details, reads your exact terms aloud, answers your questions, and takes your e-signature on the same call. Your application doesn't advance until this happens.
Receive your funds
After you sign and your bank account is verified, your file goes to funding. Most borrowers are funded within one to two business days.
Who Qualifies for a Personal Loan
- At least 18 years old (19 in Alabama and Nebraska)
- U.S. citizen or permanent resident
- Verifiable regular income — employment, self-employment, retirement, or benefits
- Active checking account in your own name
- Valid government-issued ID and Social Security number
Where We Lend
Fiona Loans serves qualified borrowers in all 50 U.S. states from our corporate headquarters at 22632 Golden Springs Dr, Suite 315, Diamond Bar, California. The rate, the terms, and the process are identical wherever you live.
Common Questions
What is the interest rate on a Fiona Loans personal loan?
A fixed 10.00% APR for every approved borrower, regardless of loan amount, term, credit profile, or state.
How much can I borrow?
Between $2,000 and $10,000, in $500 increments. The approved amount depends on your income and existing obligations.
Are there any fees?
No application fee, no origination fee, and no prepayment penalty. Late and returned payment fees are disclosed in full in your loan agreement.
How fast can I get the money?
Most borrowers are funded within one to two business days after completing the phone underwriting call and signing their agreement.
Do you check credit?
Yes, as part of underwriting. Your credit history is one input into the approval decision — but it never changes your rate.
See Your Payment Before You Apply
Run the numbers, see the exact monthly payment, and decide from there. Applying doesn't obligate you to accept anything.