Rates & Terms
Pricing info for SeedFi plans.
Credit Builder Plan Rates and Terms
Credit Builder Plans are $500 with the entire loan amount locked in your SeedFi Savings Account until you repay in full. The repayment periods of Credit Builder Plans range from 7 months to 27 months. The Annual Percentage Rate (APR) ranges from 4.03% to 5.26%. There are no origination fees.
Trial Savings Loan Rates and Terms
Trial Savings Loans are $300 with the entire loan amount locked in your SeedFi Savings Account until you repay in full. The repayment periods of Trial Savings Loans are 3 months. The Annual Percentage Rate (APR) is 0%. There are no origination fees.
Borrow & Grow Plan Rates and Terms
You access now¹
$300 - $4,000
Savings for later
$650 - $4,000
Total loan amount
$1,200 - $7,000
APR
6.95% - 29.99%
Finance charge
$120 - $2,080
Payment²
$40 - $160
Every 2 weeks
Term
8 - 44
Months
¹Part of your loan is accessible immediately. The rest is deposited into a SeedFi Savings Account and available upon payoff
²Most customers make payments of $50-$100 every two weeks. Monthly payments are double. Payment schedules are matched to your paycheck schedule.
Example Plan with Access to $3,000
$3,000
You access now
You access now
$1,500
Savings for later
Savings for later
Loan amount
$4,500.00
Savings + Accessed now
Payment
$80.00
Every 2 weeks
APR
19.99%
Plan length
34
Months
Plans offered through partnership programs may have different terms.
You can keep your fees!
We don’t want ‘em!
At SeedFi, we truly want to leave you better off, so we eliminated most fees.
Our Credit Builder Plans have a $1 per month fee and nothing else!
Our Borrow & Grow Plans have late fees... but we actually deposit these fees into your SeedFi Savings Account, and you get them back when you repay the loan! I know! We’re excited about it too!
Application fee
$0
Early repayment fee
$0
Annual fee
$0
Phone payment fee
$0
Origination fee
$0
Late fee - You keep it!
$0 - $15
When you pay a late fee, we give it right back to you. We deposit the amount to your SeedFi Savings Account so it gets returned to you when you repay your loan.
Terms and Conditions
Review our Terms of Use and Privacy Policy for specific details about borrowing from SeedFi.