Ahead Lending rates and fees: key takeaways
- Ahead Lending does not publish its APR or any fee table.
- Each payment includes fees, interest and principal.
- Find the APR, finance charge and total of payments in the agreement before signing.
What Ahead Lending says about cost
- No APR publishedNo rate, rate range or sample loan cost appears on aheadlending.com.
- Payments include feesEach minimum payment “will be comprised of fees, interest and principalThe amount you borrowed, not counting interest or fees. Glossary.”
- No fee refund for paying earlyYou are “not entitled to a refund or discount of the fees.”
- Fees can grow“Additional fees may accrue if the outstanding principal balance is not paid at the end of the billing cycle.”
- Short-term onlyThe lender calls the loan “a short-term cash flow solution.”
Source: Ahead Lending FAQs
How to find your real Ahead Lending cost
U.S. consumer loan agreements normally include a Truth in Lending box that shows the key numbers. Before you sign an Ahead Lending agreement, find these five:
| Term | What it tells you |
|---|---|
| APR | The yearly cost of the loan including fees, as a percentage. |
| Finance charge | The dollar cost of borrowing: all interest and fees. |
| Amount financed | The money you actually receive. |
| Total of payments | Everything you will have paid by the end. |
| Payment schedule | The number, amount and dates of payments. |
If the agreement doesn’t clearly show these, ask Ahead Lending for them in writing before you sign. If the total of paymentsEverything you’ll have paid once every scheduled payment is made. Glossary is much higher than the amount financed, think about whether a cheaper option exists.
Ahead Lending cost checker
Have your agreement in front of you? Enter two numbers from it to see the dollar cost, and add the payment count to estimate the APRThe yearly cost of a loan, including interest and most fees, as a percentage. Glossary.
More detail and a worked example on the Ahead Lending cost checker page.
Compare Ahead Lending rates before you commit
Because the lender doesn’t publish prices, the only way to know if it’s a good deal is to compare an actual offer with others. Credit unions often have small-dollar loans with capped rates, and other online lenders show rates before you accept. See alternatives, or use our loan options form to see what other lenders offer.
See loan options in one short form
Don’t meet Ahead Lending’s rules, or want to compare? Our partner network can show offers from other lenders. Checking takes a few minutes.
Ahead Lending APR and fees FAQ
What is Ahead Lending’s APR?
The lender does not publish its APR. You will see it in the loan agreement before you sign.
Does Ahead Lending charge an origination fee?
Its website doesn’t list specific fees. Check the loan agreement for every fee and the total finance chargeThe total dollar cost of credit: all interest plus fees. Glossary.
Is Ahead Lending cheaper than a payday loan?
There is no published price to compare. Ask for the APR and total of payments, then compare them with other offers.
Do I save money by paying Ahead Lending early?
You won’t get fees refunded or discounted, but you may avoid extra fees or interest that would otherwise build up. Ask for a written payoff amount.
Ahead Lending sources and how we checked
Every Ahead Lending fact on this page comes from the lender’s own published pages. We compare the page with these sources when we update it:
- Ahead Lending FAQs (aheadlending.com/faqs/)
Lender terms can change without notice. The lender’s website and your loan agreement are the final word. Spot something out of date? Email [email protected]. How we research.
Start from the Ahead Lending overview or browse the Ahead Lending FAQ.