Refinance Loan Rates and Terms

U‑fi offers several repayment terms to choose from. The examples below provide an estimate of your monthly and total payments based on the type of interest rate and repayment term chosen for a $10,000 loan.

For variable interest rate loans, the rate is based on the one-month LIBOR index, and may increase over the term of your loan. Changes in your rate may cause your monthly payment to increase or decrease.

Fixed Rate Loans
Number of PaymentsRateAnnual Percentage RateMonthly PaymentTotal Payments (principal + interest)
5 yearLowest Rate606.90%6.90%$198.14$11,887.91
Highest Rate608.50%8.50%$205.93$12,355.21
10 yearLowest Rates1207.17%7.17%$117.37$14,083.11
Highest Rate1208.91%8.91%$126.70$15,202.26
15 yearLowest Rates1807.44%7.44%$92.68$16,680.94
Highest Rate1808.94%8.94%$101.49$18,265.04
20 yearLowest Rates2407.71%7.71%$82.15$19,712.19
Highest Rate2409.20%9.20%$91.66$21,992.45

Variable Rate Loans
Number of PaymentsRateAnnual Percentage RateMonthly PaymentTotal Payments (principal + interest)
5 yearLowest Rate605.87%5.87%$193.22$11,592.97
Highest Rate607.46%7.46%$200.84$12,050.25
10 yearLowest Rates1205.99%5.99%$111.27$13,352.19
Highest Rate1207.66%7.66%$119.95$14,393.70
15 yearLowest Rates1806.13%6.13%$85.34$15,358.20
Highest Rate1807.79%7.79%$94.70$17,043.90
20 yearLowest Rates2406.32%6.32%$73.73$17,690.61
Highest Rate2407.91%7.91%$83.40$20,010.91
25 yearLowest Rates3006.46%6.46%$67.48$20,243.52
Highest Rate3008.04%8.04%$77.75$23,316.41

In the table above, the examples are for a $10,000 loan with one disbursement and assume standard repayment. The lowest rates assume the presence of a cosigner. In addition, all rates shown include a .25% interest rate reduction for auto debit payments.

Your actual interest rate may be different than the rates in these examples and will be based on your credit history and other factors, including your cosigner’s (if any) credit history.

There are no application, origination, disbursement or pre-payment fees.