Rates and Fees
Effective date: 2026-05-17
sunrisefinace.com does not set rates or fees. Loan amounts, interest rates, APR, fees, repayment terms, and late charges are determined by the lender or lending partner that approves your request. The information below describes ranges and representative examples that consumers may see from lenders in our network. Your actual rate and fees will be disclosed by your lender in the Truth in Lending Act disclosure before you accept any offer.
Representative APR ranges
| Product type | Typical APR range | Typical loan amount |
|---|---|---|
| Short-term / small-dollar loan | 200% to 700%+ APR | $100 to $1,000 |
| Installment personal loan | 5.99% to 35.99% APR | $100 to $5,000 |
| Tribal lender products | May exceed state usury caps; varies by tribe and product | Varies |
Worked example — installment loan
A $2,000 installment loan at 24.99% APR repaid over 24 months has a monthly payment of approximately $106.97 and a total cost of approximately $2,567.28 over the life of the loan. Your actual rate, payment, and total cost may differ. The Truth in Lending Act requires your lender to disclose the full APR, fees, and repayment terms before you accept the loan.
Worked example — short-term loan
A $500 short-term loan with a $75 fee for a 14-day term has an APR of approximately 391%. Total cost at repayment: $575. Short-term loan APRs are calculated based on the cost of the loan divided by the loan amount, multiplied by the number of pay periods in a year. Even short-term loans with relatively modest dollar fees translate to triple-digit APRs because of the short loan term.
Fees that may apply
- Interest. The cost of borrowing, calculated as APR.
- Origination fee. A one-time fee charged by some lenders at the time the loan is funded.
- Late-payment fee. Charged if you miss a payment or pay after the grace period.
- Non-sufficient-funds (NSF) fee. Charged if a scheduled payment fails because of insufficient funds in your bank account.
- Prepayment fee. Some lenders charge a fee for paying off the loan early; many do not. The lender will disclose this in the Truth in Lending Act disclosure.
sunrisefinace.com does not charge consumers any fee for submitting a loan request through this site.
What you should compare
Before accepting any offer, compare the APR, the total cost of borrowing over the life of the loan (not just the monthly payment), any prepayment terms, and the fees. Consider alternatives: a credit-union small-dollar loan, an employer hardship program, a payment plan with the creditor you are trying to pay, or a nonprofit credit counselor.
Military Lending Act
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36 percent. This rate includes, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).