Loans & credit
Personal loans from 6.9% APR and business lines of credit up to $250,000, with clear terms and decisions in minutes.
You could borrow
$15,000
Fixed rate · No origination fee
Rate check
Pick an amount, a term and a credit profile to estimate your monthly payment and the total cost of the loan.
Estimated monthly payment
$462.47 per month
6.9% APR · 36 months · fixed rate
Total cost
$16,648.92
Illustrative. Elvaris does not offer credit.
Products
A fixed-rate loan for life's bigger moments, and a flexible line of credit for running a business.
Personal loan
6.9% APR
Remaining balance
$10,339.80
Payment 12 of 36
Personal
One fixed rate, one monthly payment and a clear end date. Use it to consolidate balances, fund a project or plan a move.
Line of credit
Studio Operations
Available
$182,400of $250,000
Business
A flexible limit for inventory, payroll gaps and growth. Draw what you need, when you need it, right from your business account.
How it works
No branch visits and no paperwork piles. The whole process happens in the app.
Answer a few questions in about two minutes. It's a soft inquiry, so checking doesn't affect your credit score (illustrative).
Compare amounts, terms and monthly payments side by side, with the APR and total interest shown upfront.
Sign online and receive the money as soon as the next business day, straight into your Elvaris account.
Responsible lending
Borrowing should leave you better off. These are the rules every Elvaris offer is designed around.
No origination fee and no prepayment penalty. The total cost in your offer is the total you pay.
Every offer shows the APR, the monthly payment and the total interest before you accept anything.
If money gets tight, talk to a person. We can move a due date, pause a payment or rework your plan.
Illustrative: Elvaris does not offer loans or credit, run credit checks or hold deposits. Every rate and figure on this page is an example.
FAQ
Rates, fees and timing for personal loans and business credit.
Still curious? Talk to usChecking your rate uses a soft inquiry, which doesn't affect your score. A hard inquiry would only happen after you accept an offer. Elvaris does not run credit checks today, so no inquiry ever takes place.
Most people use one to consolidate higher-interest balances, cover a home project, pay for a move or spread out a large purchase.
There is no origination fee, no prepayment penalty and no annual fee on business lines. Any late fee would be listed in your agreement before you sign.
Most decisions take minutes. Once you sign, funds arrive as soon as the next business day.
Yes. Pay extra or settle the full balance at any time with no penalty. You only pay interest for the time you borrowed.
You get a limit of up to $250,000. Draw any amount, repay on your own schedule and draw again. Interest applies only to the amount you've drawn.
Open an Elvaris account in minutes, then check your rate whenever you're ready. Rates shown on this page are illustrative.