Terms and Conditions apply. Zarfi reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are subject to change at any point prior to application submission. Your prequalified rate
is based on information you provided. All final offers require verified credit information which could impact your qualified rate. The information you provide to us is an inquiry to determine whether Zarfi’s lending partners can make
you a loan offer. Some lending partners may require less information if you submit an application directly on their website. If a lending partner has an available loan for you, you will be invited to submit a loan application to the
lender for its review. Please be advised that a lending partner who has an available loan offer for you may conduct another soft credit pull as part of its application review process. Zarfi does not endorse specific lenders over others.
Zarfi does not work with all lenders.
To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. The borrower is required to meet applicable underwriting requirements based on specific lender criteria. Not all borrowers
receive the lowest rate as advertised. Lowest rates are reserved for the highest qualified borrowers. Zarfi does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your
actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Variable rates subject to change. Rates as of October 20, 2025.
To check the rates and terms you qualify for, soft credit pull(s) will be conducted that will not affect your credit score. However, if you choose a product and continue your application, your full credit report from one or more consumer
reporting agencies will be requested, which is considered a hard credit pull.
Note: Medical student refinance loans are available only to borrowers who are currently in a residency or fellowship program.
If you are interested in a personal loan, please note the following:
Personal loans are solely for personal, family, or household purposes and are not permitted to be used to purchase or refinance the purchase of real estate, securities or other investments. Personal loans may not be used for business purposes,
to finance post-secondary education expenses, for short-term bridge financing or any illegal purpose.
Zarfi marketplace loans offer fixed rates between 8.99% APR to 35.99% APR and terms of 2 to 7 years. Our lowest rate may include a 0.25% autopay discount for the shortest loan term. Personal loans offered through the Zarfi network have
an origination fee of 0% to 15% which may be deducted from the loan proceeds. Lowest rates may require autopay and may require paying off a portion of existing debt directly. The autopay interest rate reduction requires you to agree
to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The autopay reduction will not be applied if autopay is not in effect. See loan agreement for details.
The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Repayment examples are for illustrative purposes only. Personal loan | Repayment example: If you are approved for a $10,000
loan with a 36-month term and a fixed APR of 17.98% (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a monthly payment of $343.33. Rates are subject
to change without notice. Not all rates and amounts available in all states. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Actual rate depends on credit score, credit usage
history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Not all applicants will qualify for the full amount.
Residents of Massachusetts have a minimum loan amount of $6,000; New Mexico and Ohio, $5,000; Residents of Georgia have a minimum loan amount of $3,001.
If you are interested in a student loan, please note the following:
Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Before obtaining a private student loan through Zarfi, you should review all of your options. Many federal loans have special benefits
and payment options that are not available for private loans made through Zarfi Financial. If you refinance a federal student loan through Zarfi Financial, you will no longer be eligible for those benefits.
Your school does not endorse Zarfi Financial or its lending partners and neither Zarfi Financial nor its lending partners are affiliated with your school.
Fixed Rate options range from 4.74% APR to 10.24% APR and will vary based on application terms and level of degree. Our lowest rate option may include a 0.25% autopay discount for the shortest loan term. The APR on your loan may be higher
or lower and your loan offers may not have multiple term lengths available. Rates are subject to change without notice. Not all rates and amounts available in all states. Not all applicants qualify for the lowest rate. Lowest rates
reserved for the most creditworthy borrowers. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There
is no fee or penalty for repaying a loan early.
Variable rate options range from 4.74% APR to 10.74% APR. Rate options may include a 0.25% autopay discount. These rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes
will only apply to applications taken after the effective date of change. Variable APRs and amounts subject to increase or decrease.
The variable rates are based on a Variable rate index derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01%
or 0.0001). The interest rate on a variable rate loan is comprised of an index and margin added together.
