Apache Lending Loans
Apache Lending Loans
in Personal Loans from Apache Lending

Apache Lending Loans

in Personal Loans from Apache Lending
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APR  (Variable APR) Starting at 200%
(Verified 02/28/2023)
Loan Amount $100 - $5,000
Loan Term (Months) N/A

Apache Lending Loans Review

Apache Lending Loans is offered by apache lending, a nonbank financial services provider founded in 2022 and based in Las Vegas, NV. Apache Lending Loans are available in 50 states (and Washington, DC).

Key Takeaways

  • Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 5% and 36%. The starting rates for Apache Lending Loans are on the higher end of the market.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Apache Lending Loans early.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Apache Lending Loans.

Apache Lending Pros & Cons

Pros Cons
  • Considers applicants with fair credit.
  • Accepts cosigners and coborrowers.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Apache Lending Loans does not report to credit bureaus.
  • Charges prepayment fees.
  • Charges a late fee of up to $20.

Apache Lending FAQ

What interest rates and personal loan terms does Apache Lending offer?

Apache Lending has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Apache Lending offer?

Apache Lending offers a variable APR personal loan product that starts at 200% APR.

How much can you borrow via Apache Lending?

Personal loan amounts start at $100 and go up to $5,000.

Apache Lending Interest Rates & Loan Terms
Personal Loan Amount $100 - $5000
Loan Term N/A
APR Starting at 200%

What fees does Apache Lending charge?

Does Apache Lending charge an origination fee?

Apache Lending may charge a personal loan origination fee.

Does Apache Lending charge a late fee?

No, Apache Lending will not charge you a late fee if you miss one of the monthly payments of up to $20.

Does Apache Lending charge prepayment fees?

No, Apache Lending does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Apache Lending Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee up to $20

What do you need to qualify for Apache Lending Loans?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Apache Lending Loans does not have or does not disclose a minimum annual income eligibility requirement. Apache Lending Loans only considers borrowers who are employed. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Apache Lending Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Apache Lending Loans.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Proof of identity
  • Proof of citizenship or residence permit
Apache Lending Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Co-borrowers
  • Cosigners
  • Individual Applications
  • Credit Score 300 - 720

    Is Apache Lending a legit company?

    Apache Lending Loans is an early stage company that launched 1 year ago.

    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


    Hours of Operation

    • Sunday Closed
    • Monday 9:00am - 5:00pm
    • Tuesday 9:00am - 5:00pm
    • Wednesday 9:00am - 5:00pm
    • Thursday 9:00am - 5:00pm
    • Friday 9:00am - 5:00pm
    • Saturday Closed

    About Apache Lending Loans


      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • Washington, DC
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Co-borrower
    • Cosigner
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    • Tax Returns
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    • Proof of Income
    • Proof of Identity
    • Social Security Number
    • Employer Identification Number
    Credit Score Range 300 - 720
    APR Type Variable APR
    Loan Amount $100 - $5,000
    APR (Variable APR) Starting at 200%
    (Verified 02/28/2023)

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