FinVo is a marketplace - not a lender. Participating lenders may offer amounts from $350 to $4,500, terms from 3 to 60 months, and APRs from 6% to 35%. The numbers you see on an offer come from that lender. FinVo does not set, guarantee, or control your rate.
This APR Disclosure explains the rate and cost ranges you may see when you use the FinVo app or website operated by Fin Vo Money LLC ("FinVo," "we," "us"). FinVo is built around control: you compare offers in one place, then decide. Using FinVo means you understand that rates and terms are set by lenders - not by us.
What APR means
Annual percentage rate (APR) is a yearly cost of borrowing expressed as a percentage. It is designed to help you compare credit products more clearly than looking at a monthly payment alone.
APR can include interest and certain fees that the lender must disclose under applicable law. It is not the same as a flat interest rate in every case, and two offers with similar monthly payments can still differ in total cost. Always read the lender's full disclosures before you accept.
Amounts, terms, and APR ranges
Through participating lenders in the FinVo network, offers generally fall within these ranges:
- Loan amounts: $350 up to $4,500
- Repayment terms: 3 to 60 months
- APR: 6% to 35%
These ranges describe what may be available across the network. They are not a promise that every lender offers every combination, or that you will receive an offer at the low end of the APR range.
Illustrative example
The following example is for education only. It is not an offer, quote, or guarantee of approval.
Illustration: a $3,000 loan at a 9.75% APR repaid over 24 months comes to about 24 monthly payments of $138, for a total repayment near $3,313.
Your actual payment, total cost, fees, and schedule will depend on the lender, the product, your profile, and the state where the offer is made. Always rely on the final numbers in the lender's agreement.
What FinVo does not do
FinVo:
- is not a lender, bank, or credit decision maker;
- does not originate, fund, or service loans;
- does not set APR, fees, repayment schedules, or underwriting rules;
- does not guarantee approval, funding, or a specific rate;
- does not replace the lender's Truth-in-Lending or other required disclosures.
When you accept an offer, your agreement is with that lender under its terms. Review those terms carefully before you sign.
Why offers differ
Actual offers vary by factors that may include:
- lender product and underwriting criteria;
- your income, credit profile, and application details;
- state law and product availability;
- requested amount and preferred term;
- fees the lender discloses (for example, origination fees where applicable).
Not every applicant qualifies. A request through FinVo is not an application for credit and does not guarantee an offer.
Comparing responsibly
Before you accept, compare more than the monthly payment. Look at APR, term length, total repayment, and any fees. Borrow only what you need and can reasonably repay. Short-term or higher-cost credit may not suit long-term needs.
Checking options through FinVo is typically a soft credit inquiry. If you proceed with a lender, that lender may conduct a hard credit inquiry and may request additional verification before approval and funding.
Related documents
This disclosure works together with:
Changes
We may update this disclosure as products, partners, or laws change. The "Last updated" date at the top reflects the current version. Continued use of FinVo after a change means you accept the updated disclosure.
Contact
Questions about this disclosure - not about an active loan with a lender - can be sent to us:
Fin Vo Money LLC
2554 Elvin Ave
Colorado Springs, CO 80909-3010
United States
Email: help@finvomoney.org
For payments, payoff, hardship options, or account questions on a loan you already accepted, contact that lender directly.
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