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© 2023 Bill Doctor.org. All rights reserved.

Advertising Disclosure

BillDoctor.org is an affiliate marketer. Our mission is to help you make better financial decisions and improve your financial health. We aim to simplify the discovery of savings opportunities tailored to your specific situation and connect you with customized options to help you save on your monthly bills, provided by our partners (Providers). Our services, tools, and content are completely free for you. We are compensated in various ways, such as if you click a link to a Provider's offer, visit a Provider's website, or choose to purchase a Provider's product or service via BillDoctor. Any relationship that you may form with a Provider is exclusively between you, as the consumer, and the Provider. We do not warrant the products and/or services of the Providers. A Provider's product or services presented on BillDoctor or a referral to a Provider, including any affiliates, does not guarantee qualification or approval for any particular product or service. BillDoctor does not present all companies, websites, products, or services that may be available to you.

*Minimum Payment Example

The minimum payment example is based on a credit card for individuals with fair credit, having an interest rate of 23% (rounded up to the nearest percentage point) and assumes a payment of the interest and 1% of the principal balance. Please note that, assuming the principal balance does not increase due to additional charges, fees, and interest, the required minimum monthly payment will decrease over time as additional minimum monthly payments are made and reduce the total balance.

† Monthly Savings Estimation Calculations

Potential monthly savings is only an estimate based on monthly estimated savings calculations. Savings estimates will vary depending on the amounts and type of bills you provide. BillDoctor.org cannot guarantee how much you might save or that you will save anything at all. Please refer to our explanation page to understand how savings estimates are calculated. Actual savings, if any, will be determined by the specific products or services obtained from the Providers.

Key Disclosures Regarding Loan Terms and Credit

Billdoctor.org's Providers and its Providers' network of lenders offer personal loans with repayment terms that range from 4 to 144 Months, with loan amounts ranging from $600 to $250,000, and annual percentage rates (APR) from 2.49% to 35.99%. Only the most creditworthy consumers could receive the best terms.

Eligibility for such loan options from Billdoctor.org's Providers and the Providers' network of lenders depends on the information you provide to the Providers and/or their network of lenders and is not guaranteed. Loan terms including amounts, and interest rates can vary based on your creditworthiness, the Provider or their network of lenders, or other factors. Billdoctor.org does not make any decision regarding your creditworthiness or review and evaluate you for an extension of credit. Any credit decision is made by the Providers' and/or their network of lenders. Thus, any notice of adverse action will be provided by our Providers or their lending partners.

Representative Example

A Personal Loan of $20,000 with 60-month repayment term, an interest rate of 17.55%, and a 5% origination fee, you would receive $19,000 ($20,000 less a $1,000 origination fee) and the monthly payment would be $503 which equates to an APR of 19.99%. The total interest would be $10,178.80 and the total cost of the loan would be $11,178.80. The total of payments would be $30,178.80. If you borrow $5,000 on a 36-month repayment term and at a 10% APR, the monthly payments would $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24.

Annual Percentage Rate (APR) Disclosure

The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, the cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. States have laws that may limit the APR that the lender or lending partner can charge you. Rates will vary based on your credit worthiness, loan size, amongst other variables, with the lowest rates available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender or lending partner. We recommend that you read the lender's and/or lending partner's personal terms and conditions in full before proceeding for any loan.

All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider's discretion and may not be available in all states or for all types of loans. There is no guarantee you will be approved or qualify for the advertised rates, fees, or terms presented. This website does not include all lending companies or all available lending offers that may be available to you.