The whole range, side by side
One representative term per amount so the numbers can be compared. Every figure below is an illustration at a sample APR — your own rate depends on your income, bank activity, credit profile and state.
| Amount | Product | Sample APR | Term | Monthly | Total repaid | Cost of credit |
|---|---|---|---|---|---|---|
| $200 | Advance | 0% | Next payday | — | $214.99 | $14.99 membership |
| $500 | Flex | 179.99% | 3 months | $218.99 | $656.97 | $156.97 |
| $1,000 | Flex | 129.99% | 6 months | $235.24 | $1,411.44 | $411.44 |
| $2,000 | Installment | 89.99% | 12 months | $258.54 | $3,102.48 | $1,102.48 |
| $5,000 | Installment | 59.99% | 24 months | $362.33 | $8,695.92 | $3,695.92 |
$200 loan
The smallest amount we lend, and the one where the membership plan is unbeatable. $200 through FrontPay Advance carries no interest at all. You pay the flat $14.99 membership for the month and repay the $200 on your next payday.
Total cost: $14.99. There is no interest-bearing product at this size because there would be no point — interest on $200 over a few weeks would cost more than the membership and take longer to clear.
What it costs
$14.99 for the month. Nothing else. No interest, no origination fee, no late fee.
Income needed
Recurring deposits of $400 or more per cycle, arriving at least three times.
Typical use
Covering a pending charge to dodge a $35 overdraft, or topping up a utility bill.
Worth checking first: if you only need $200 once and will not borrow again, cancel the membership the moment you repay. Left running, $14.99 a month becomes $180 a year for a service you are not using.
$500 loan
The crossover point. $500 is the largest Advance and the smallest comfortable Flex loan, so it is the one amount where you genuinely choose between paying a membership and paying interest.
Advance — membership
$14.99 total
0% interest. Repaid across your next one or two paydays. Nothing reported to a credit bureau, no late fee if it slips.
Flex — pay-as-you-go
$156.97 total
179.99% APR over 3 months at $218.99 a month. No subscription, and nothing recurring once it clears.
| Term | Monthly | Total repaid | Cost of credit |
|---|---|---|---|
| 3 months | $218.99 | $656.97 | $156.97 |
| 6 months | $132.12 | $792.72 | $292.72 |
$1,000 loan
Our most requested size, and the first where the membership plan is not available — $1,000 is above the Advance ceiling, so this is a Flex loan at 129.99% sample APR with no subscription attached.
It is also the amount where the term you choose matters most, so it is worth seeing all three side by side.
| Term | Monthly | Total repaid | Cost of credit |
|---|---|---|---|
| 3 months | $408.02 | $1,224.06 | $224.06 |
| 6 months | $235.24 | $1,411.44 | $411.44 |
| 12 months | $152.80 | $1,833.60 | $833.60 |
Income needed
$1,200 a month in verifiable deposits.
Credit check
Soft inquiry only. No hard pull on a Flex loan.
Funding
Same business day before 2:00 PM ET.
Above $1,500
Bigger amounts change the product, not just the number.
From $1,500 up you move to an Installment Loan. The rate drops, the term stretches, a hard credit pull enters the picture at signing, and the payments start being reported to the credit bureaus — which cuts both ways.
$2,000 loan
An Installment Loan at 89.99% sample APR. Equal monthly payments, a fixed end date, and on-time payments reported to the major bureaus — so this is the first amount where borrowing can actively help a thin credit file.
Accepting one involves a hard credit inquiry, which may knock a few points off your score temporarily. You are told before that happens.
| Term | Monthly | Total repaid | Cost of credit |
|---|---|---|---|
| 6 months | $426.08 | $2,556.48 | $556.48 |
| 12 months | $258.54 | $3,102.48 | $1,102.48 |
| 18 months | $206.05 | $3,708.90 | $1,708.90 |
Typical use
Car repair, a medical bill, or consolidating two or three smaller balances into one payment.
Funding
One to two business days — installment loans need a fuller verification step.
Builds credit
Payments reported to all three bureaus, on time or late.
$5,000 loan
The largest amount we lend, and the lowest rate we offer — 59.99% sample APR on an Installment Loan over 12 to 24 months. It is also, in absolute terms, by far the most expensive thing on this page.
| Term | Monthly | Total repaid | Cost of credit |
|---|---|---|---|
| 12 months | $564.10 | $6,769.20 | $1,769.20 |
| 18 months | $427.70 | $7,698.60 | $2,698.60 |
| 24 months | $362.33 | $8,695.92 | $3,695.92 |
We would rather tell you that than take the application. If a cheaper option is genuinely open to you, the honest thing is to say so.
Choosing your amount
Start from the bill, not from the maximum
Work out what the problem actually costs, add nothing for comfort, and borrow that. The offer screen will happily show you more than you need; the total repaid column is what stops you taking it.
Pick the shortest term you can genuinely cover
On $1,000, three months costs $224 and twelve months costs $834. The monthly payment is the trap: a lower one feels affordable while quietly tripling the bill.
Under $500, check the membership first
At $500 it is $14.99 against $156.97. The membership only loses when the balance stays open month after month.
Above $1,500, check whether you can do better elsewhere
A credit union payday alternative loan is capped at 28% APR. A bank personal loan with decent credit runs 15% to 36%. Both beat anything on this page at that size.
Remember you can pay it off early
There is no prepayment penalty on any product. On interest-bearing loans you pay only the interest accrued to the day you settle, so a longer term you clear early costs less than the table suggests.
Questions about amounts
Can I get the full $5,000 on my first application?
It is possible but uncommon. First-time borrowers are usually approved at the lower end of a range while we have no repayment history with you. Limits rise as you build one. If you are approved for less than you asked for, the offer still shows the full cost so you can decide whether the smaller amount is worth taking.
What income do I need for each amount?
For an Advance of $200 to $500, recurring deposits of at least $400 per cycle arriving at least three times. For Flex, Installment and Credit Line products, $1,200 a month in verifiable deposits. Wages, salary, pensions and government benefits all count — see borrowing on benefit income.
Can I borrow an amount that is not on this page?
Yes. The five figures here are examples, not a menu. Anything from $200 to $5,000 is available in $50 steps, subject to the limits of each product and what your income supports.
Why is the APR lower on bigger loans?
Because the fixed cost of underwriting and servicing a loan is spread over a larger balance and a longer term. It does not mean a bigger loan is cheaper — the cost of credit on $5,000 at 59.99% is far higher than on $500 at 179.99%, as the first table shows.
Can I increase my amount after I have been approved?
Not on an open loan. You would repay it and apply again, or open a Credit Line, which lets you draw more than once up to your limit and only charges interest on what you have drawn.
Does asking for a bigger amount hurt my chances?
Asking for more than your income supports can turn an approval into a decline, where a smaller request would have been approved. If you are unsure, ask for what you actually need — that is usually the figure most likely to be approved.
Where to go next
What happens between applying and the money landing, and what happens after.
CostsRates and fees in fullEvery charge for all four products, plus the representative example.
EligibilityWho can applyIncome thresholds, account requirements and what holds an application back.
ComparisonCash advance vs payday loanHow to convert a flat fee into an APR so you can compare offers properly.
Soft inquiry, no obligation to accept, and no fee to find out where you stand. Figures on this page are illustrations, not offers. Not available in every state.