Ledge is a lending platform based in Santa Monica, CA. It was founded in 2015 and offers access to personal loans in 50 states across the USA..
Yes, Ledge charges a loan origination fee.
Yes, Ledge may charge borrowers a late payment fee.
No, Ledge does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
Loan amounts start at $50 and go up to $5,000.
Ledge offers personal loans with a maximum term of 6 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
Applicants with a credit score of at least 560 can apply for a loan via Ledge. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.
Active duty servicemembers and their covered dependents are eligible to apply for a loan via Ledge. Their rates fall within the limits of The Military Lending Act.
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