Rates and Terms
What loans requested through Tilt App could cost, what affects your rate and the disclosures you'll receive before you sign.
Last updated: October 27, 2026
Key facts
- You can request $200 to $5,000.
- APR range: 5.99%–35.99%
- Each lender sets its own rates, fees and terms.
- Review the APR and total cost before you accept.
Summary of terms
| Item | Details |
|---|---|
| Loan amounts | You can request $200 to $5,000 |
| APR range | 5.99%–35.99% |
| Repayment terms | 3 to 60 months |
| Fees | TiltApp never charges you a fee to use our matching service. Individual lenders may charge fees such as origination fees, late fees or returned-payment fees, which will be disclosed in your loan agreement before you accept any offer |
| Funding | As soon as the next business day after you’re approved, though exact timing depends on your lender and your bank |
Rates, fees and terms are set by each lender, not by Tilt App.
Representative examples
These examples show what a loan could cost. Your actual APR, payment and total cost depend on your offer.
| Amount | Representative example |
|---|---|
| $500 | [Representative Example – $500 loan] |
| $1,000 | [Representative Example – $1,000 loan] |
| $2,000 | [Representative Example – $2,000 loan] |
| $3,000 | [Representative Example – $3,000 loan] |
| $5,000 | [Representative Example – $5,000 loan] |
What affects your rate
- Your credit profile: score, history and existing debts
- Your income and ability to repay
- The amount and term you choose
- Your state, since state rules and lender availability vary
- The lender's own criteria and pricing
Disclosures you'll receive
For loans covered by the federal Truth in Lending Act, the lender must show you the APR, finance charge, amount financed and total of payments before you sign. Read these disclosures and the loan agreement carefully.
Late payments may result in fees and may be reported to the credit bureaus. Check each lender's terms.
Active-duty servicemembers
The Military Lending Act limits the cost of many loans to active-duty servicemembers and their dependents, including a 36% cap on the military annual percentage rate (MAPR). the Military Lending Act caps the MAPR at 36% and provides other protections for Covered Borrowers. Lenders in our network that extend consumer credit comply with the MLA for active-duty service members, their spouses and certain dependents
Common questions
More answers in the help center.
Who sets the rate on my loan?
The lender. Tilt App is not a lender and doesn't set rates, fees or terms.
Why might my APR be higher than the example?
Your APR depends on your credit profile, income, amount, term and state, and on the lender's pricing. Examples are for illustration only.
Are there prepayment penalties?
It depends on the lender. Some lenders allow you to repay early without penalty; others may charge a prepayment fee Check the loan agreement before you sign.