Seedfi Loans
Seedfi Loans
in Personal Loans from SeedFi

Seedfi Loans

in Personal Loans from SeedFi
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APR  (Variable APR) 12.96% - 29.99%
(Verified 08/17/2022)
Loan Amount $1,750 - $8,000
Loan Term (Months) 10 - 48 months

Seedfi Loans Review

Seedfi Loans is offered by SeedFi, a nonbank financial services provider founded in 2019 and based in San Francisco, CA. Seedfi 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 Seedfi 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 Seedfi Loans early.
  • Short loan terms. Seedfi Loans have loan terms as short as 10 months.

Seedfi Loans Pros & Cons

Pros Cons
  • Considers applicants with fair credit.
  • APRs as high as 29.99%.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee.

Seedfi Loans FAQ

What interest rates and personal loan terms does Seedfi Loans offer?

Seedfi Loans has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Seedfi Loans offer?

Seedfi Loans offers a variable APR personal loan product that ranges from 12.96% APR up to 29.99% APR.

How much can you borrow via Seedfi Loans?

Personal loan amounts start at $1,750 and go up to $8,000.

What is the maximum loan term you can get with Seedfi Loans?

Seedfi Loans offers loans with terms of up to 48 months.

Seedfi Loans Interest Rates & Loan Terms
Personal Loan Amount $1750 - $8000
Loan Term 10 - 48 months
APR 12.96% - 29.99%

What fees does Seedfi Loans charge?

Does Seedfi Loans charge an origination fee?

Seedfi Loans may charge a personal loan origination fee.

Does Seedfi Loans charge a late fee?

No, Seedfi Loans will not charge you a late fee if you miss one of the monthly payments.

Does Seedfi Loans charge prepayment fees?

No, Seedfi Loans 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.

Seedfi Loans Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for Seedfi Loans?

When it comes to credit scores, SeedFi doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Seedfi Loans does not have or does not disclose a minimum annual income eligibility requirement. Seedfi Loans only considers borrowers who are employed.

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 Seedfi 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 Seedfi Loans.

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

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Government issued photo ID
Seedfi Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • Credit Score 300 - 850

    Does Seedfi Loans report your account activity to credit bureaus?

    Yes, Seedfi Loans reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

    Are Seedfi Loans legit?

    Seedfi Loans was founded in 2019. It is an established company that has been in business for 4 years.

    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 All Day
    • Monday All Day
    • Tuesday All Day
    • Wednesday All Day
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    • Friday All Day
    • Saturday All Day

    About Seedfi 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

    Accepts Savings Accounts
    Employment Statuses Considered
    • Other
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • 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)
    • Recent Pay Stubs
    • Proof of Income
    • Government Issued Photo ID
    • Social Security Number
    Credit Score Range 300 - 850
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
    • Credit/Debit Card
    • Cash
    • Bank Transfer
    • Apple Pay
    APR Type Variable APR
    Loan Amount $1,750 - $8,000
    APR (Variable APR) 12.96% - 29.99%
    (Verified 08/17/2022)
    Loan Term 10 - 48 months

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