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Credifi · For creditworthy borrowers
Small loans without origination or prepayment fees
Fees matter when you borrow a small amount for a short time. Personal loans available through Credifi have no origination fee and no prepayment penalty. Review your interest rate and repayment schedule to understand the cost of your loan.
Credifi matches borrowers with onchain lending vaults and services their loans. Credifi is not a lender.
Check your eligibilityWhy fees matter on a small, short-term loan
An origination fee is a charge for taking out a loan. An upfront charge can take a meaningful share of a small loan, even when you plan to repay quickly. Loans available through Credifi have no origination charge deducted from the proceeds. Interest still applies at the agreed rate. Paying off early has no prepayment penalty; check your payoff balance for the amount due.
| Cost | Credifi terms | What this means |
|---|---|---|
| Origination fee | $0 | No origination charge is deducted from your loan proceeds |
| Prepayment penalty | $0 | You can repay early without a prepayment penalty |
| Interest | Advertised fixed APRs of 10%–15% | Interest still applies; review the APR and total repayment in your offer |
No origination fee does not mean no borrowing cost
Your repayment includes the borrowed principal and interest. When comparing an offer, look at the amount you receive, the APR, the payment dates and the total repayment together. For an early payoff, use the payoff balance shown for your loan rather than assuming the original payment schedule still applies.
Loan facts
View amounts, rates and eligibility
- Loan amounts
- Borrowing starts at $100, up to your approved available credit, with a platform maximum of $20,000. Limits vary by underwriting and account; not every applicant qualifies for the maximum.
- APR range
- Advertised fixed APRs range from 10% to 15%. Your available rate depends on eligibility and the funding market. Review your personalized APR before accepting a loan.
- Available terms
- Available options include a 3-month interest-only loan and a 12-month installment loan. Options depend on your eligibility and available funding.
- Fees
- No origination fee. No prepayment fee or penalty.
- Eligibility
- Credifi requires a U.S. bank account and qualifying credit history. Credit verification uses a soft check. Approval, credit limits and available terms depend on verification and underwriting; good credit alone does not guarantee a loan.
- Geographic availability
- The bank and credit verification route supports U.S. bank accounts. Availability depends on your location, eligibility route and available funding markets. Check your available offers before borrowing, or contact info@credi.fi about availability in your state or country.
- Repayment flexibility
- For interest-only loans, pay interest monthly and repay the principal at the end of the 3-month term. For installment loans, repay principal and interest over 12 months. You can repay early without a prepayment penalty; review the exact payment dates and amounts in your loan agreement.
- Receiving funds
- Receive funds through a supported bank ACH transfer or crypto wallet. Available methods depend on your account and selected market.
Before you borrow
Review your personalized offer, APR, total repayment and payment schedule before accepting. Borrowing is subject to verification, approval and available funding. Late or missed payments may adversely affect your credit score.
Credifi matches eligible borrowers with onchain lending vaults, verifies eligibility, and services loans. Credifi is not a lender. Loans are funded by the vaults. Your agreement identifies the creditor by its funding vault contract address and blockchain.