Rate

Guaranteed Rate, Inc

About this app

• Apply in minutes for a first-time home purchase, refinance, personal loan, or a home equity line of credit
• Access your credit score once you apply for a loan with us
• Keep track of the entire loan process through our Loan Center 
• See your home value with our Home Valuation Tool 
• Crunch the numbers with our Mortgage Payment Calculator 
• Get quotes on Home or Auto insurance from multiple companies at once
• Stay healthy with our ever-growing library of fitness classes taught by the pros
• Access a wealth of financial resources and content to help you on your life’s financial journey 

GR Personal Loans:

Standard fixed rates from 10.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 10.74% to 21.74% APR. Loan amounts range from $4,000 - $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities.

Loans are made by Guaranteed Rate, Inc. (NMLS ID 2611).

- Period of repayment: The minimum period of repayment for GR personal loans is 12 months and the maximum period of repayment is 60 months.
- Annual Percentage Rate: Our maximum annual percentage rate ( APR) is 21.99% and may vary based on state requirements.

Representative Example of the Cost of a GR Personal Loan: For $20,000 borrowed over 36 months at 10.74% (including 0.25% autopay discount), the total cost of the loan, including the principal and all applicable fees, is $23,483.32. This example is an estimate only and assumes all payments are made on time.

GR Personal Loan prepayment options range from 1-5 years. GR personal loans do not require repayment in full in 60 days or less from the date the loan is issued.

Terms and Conditions: You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Loan amounts range from $4,000 - $50,000. Rates and loan amount may differ due to state-specific requirements and may impact your ability to qualify for a loan. Limitations: FL, ME, NC, TX, VT, PA, CT, LA, KS, SC, WY, RI, MA, MN, CO, AR and IA (rate); IL, MA, CA, RI, NM and SC (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates and terms are current as of 11/09/23 and are subject to change without notice.

Personal loans are only available in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, LA, ME, MA, MI, MD, MN, MO, ND, NC, NH, NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VT, WA, and WY as of 11/09/23. Loan applications outside of these states will not be accepted at this time.

© 2024 Guaranteed Rate, Inc. All rights reserved.
NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org.
Arizona Mortgage Banker License #0907078
3940 N. Ravenswood Chicago, IL 60613 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.

Privacy policy: https://www.rate.com/privacy

Ratings and reviews

The app is difficult to move around with how much it loads. The companirs "helpful" pages are very basic. It's like they needed to put something out there to check the box but in the end the app got the job done.

I had high hopes for this app and I sent it to my clients since I'm a real estate broker. I am absolutely certain that the first place they are going is calculating their mortgage interest and payment based on their down payment and potential purchase amount. However, the app does not allow for plugging in taxes or PMI even though there is a field for it. When you punch n the PMI n taxes number do not show up, fields stay blank.

Excellent application. Very useful because it has a wealth of information and an answer for every concern or question.

What's new

Discover the latest Rate app features to boost your financial and personal wellness:

- Rate Alert: Remove the stress of tracking mortgage rates. Set savings goals and get notified when rates drop so you can refinance with peace of mind.
- Chakra Challenge: Align your mind, body, and spirit. Balance your 7 chakras with daily yoga, guided journaling, and meditation.
- Sleep Content: Drift off with new soundscapes and sleep meditations for improved sleep health.