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Reach Financial personal loans: APR, fees and requirements
What Reach Financial publishes about its personal loans (5.99% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
Lender type
Online lender
APR range
5.99% to 35.99%
Loan amounts
$3,500 to $40,000
Repayment terms
24 to 60 months
Origination fee
0% to 8%
Minimum credit score
Not published
Funding time
Within 24 hours of loan approval, proceeds available to pay the creditors named on the Truth-in-Lending Disclosure
How the lender states its rates: “Fixed Annual Percentage Rates (APR) range from 5.99% to 35.99%.”
How the starting rate compares
The lowest advertised APR, 5.99%, ranks 2 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.