All Ridgewood’s No Fee Personal Loan offers a fixed rate, but individual rates are determined based on each person's education, credentials, work experience, and credit history. 

Our APR ranges from:

7.24% - 16.99%  for 3 and 5 year loans;

The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive of the interest rate and all other associated fees. When comparing loan products, it is important to consider the APR of each product.

These rates are subject to change.