Clear options. A steadier next step.
Review Your Loan Options — $5,000 to $50,000
Simplify high-interest payments into one clear monthly amount. Checking your options starts with a soft credit check, so your credit score is not affected.
Takes about two minutes. Free to check.
- Soft credit check to start
- No pressure, no obligation
- Clear terms before you decide
Why Borrowers Choose SteadyStep
A calmer way to look at your options, on your own schedule.
Simple
A few questions, a couple of minutes. There is nothing to print, scan or upload to get started.
Private
Your details are encrypted in transit and used only to review your options. You decide who you hear from.
Transparent
Rates, fees and terms are shown before you choose anything. What you see is what you are agreeing to.
No Pressure
Reviewing your options is free and carries no obligation. Take your time, and walk away whenever you like.
How It Works
Three steps, at your own pace.
Answer a Few Questions
Tell us roughly how much you are looking for and what it is for. It takes about two minutes.
Review Your Options
See the options that may fit your situation, with the rates and terms laid out plainly.
Choose What Fits
Go ahead with an option, or decide it is not for you. Either way, there is no obligation.
Soft credit check only. Your score is not affected.
Important Information
The details behind the offers. Please read these before you decide.
Loan amounts range from $5,000 to $50,000. Annual Percentage Rates (APRs) typically range from 5.99% to 35.99%, with repayment terms of 12 to 84 months. Your actual rate, term and any fees depend on the lender, your credit profile, your income and where you live.
Not everyone who applies will receive an offer. The lowest rates are generally available to applicants with the strongest credit histories. All loans are subject to each lender's own credit approval and verification.
Illustrative monthly payments on a $10,000 loan at different terms and rates. These are examples only, not offers.
| Loan term | Example APR | Monthly payment | Total repaid |
|---|---|---|---|
| 12 months | 9.99% | $879.11 | $10,549.35 |
| 24 months | 12.99% | $475.37 | $11,408.91 |
| 36 months | 15.99% | $351.52 | $12,654.75 |
| 60 months | 19.99% | $264.88 | $15,892.99 |
Longer terms lower the monthly payment but increase the total cost of the loan. Figures exclude any origination fee.
A $10,000 loan repaid over 36 months at a 15.99% APR would have 36 monthly payments of $351.52. The total amount repaid would be $12,654.75, of which $2,654.75 is interest.
Some lenders charge an origination fee of 0% to 8% of the loan amount, which may be deducted from the funds you receive. Any such fee is included in the APR you are shown before you accept an offer.
Reviewing your options uses a soft credit inquiry, which does not affect your credit score and is not visible to other lenders.
If you choose to proceed with a lender, that lender may perform a hard credit inquiry as part of its full application, which can affect your score. Taking on a loan, and how you repay it, will also be reflected in your credit history. Late or missed payments may lower your score and may result in additional fees.
SteadyStep Lending is a loan-matching service, not a lender. We do not make credit decisions, fund loans or set rates. When you share your details, we review them against a network of lending partners and show you the options that may fit.
We may receive a fee from a lending partner when you are matched or when a loan is funded. This does not change the rate or terms you are offered. Submitting a request does not mean you will receive an offer, and you are never obliged to accept one.