A smaller, shorter loan
Loan amount$2,000
Term12 months
APR18.99%
Monthly payment~$184
Total of payments~$2,205
Total interest paid~$205
Rates & Fees
Rates & fees
What a loan costs, what the service costs, and what goes into the number you're offered.
The service is free
Using Finance ADRI costs you nothing. There's no signup fee, no subscription, no premium tier, and no "convenience charge." Downloading the Adri Cash app is free. Submitting a loan request is free. Browsing the offers you're matched with is free.
We make our money from the other side of the transaction. When a lender in our network funds a loan for someone we matched them with, that lender pays us a referral fee. You never pay us - not before a loan, not during, not after.
This matters for one reason: it means we have no incentive to push you toward a bigger loan or a higher rate. We earn the same whether you borrow $200 or $4,000.
What the loans look like
Across our lender network, here's the range you can expect:
Loan amount
$100 - $5,000
Repayment term
65 days - 2 years
APR
5.99% - 35.99%
Loan type
Unsecured personal loan
Funding time
Typically 1-5 business days after approval
These are the boundaries of the network as a whole. The specific numbers you're offered depend on the lender and on you - which we'll get into below.
What APR actually means
APR stands for Annual Percentage Rate. It's the total yearly cost of borrowing, expressed as a percentage - and it includes both the interest and most of the fees rolled into one number.
That's what makes APR useful: it lets you compare two loans on a single figure, even if they have different terms or fee structures. A loan with a low interest rate but a high origination fee might have a higher APR than a loan with a slightly higher interest rate and no fee. APR cuts through that.
When you compare offers in the Adri Cash app, compare the APR - not just the monthly payment. A lower monthly payment sometimes just means a longer term, which can cost you more overall.
Two representative examples
The Truth in Lending Act requires us to show representative examples of what a loan might cost. Here are two - one smaller, one larger. Both are illustrative. Your actual terms will come from the lender.
A larger, longer loan
Loan amount$4,000
Term24 months
APR24.99%
Monthly payment~$214
Total of payments~$5,127
Total interest paid~$1,127
Notice the difference: the larger loan over a longer term has a lower monthly payment relative to its size, but the total interest paid is much higher. Longer terms mean smaller payments - and more interest over time. This is the trade-off worth thinking about before you choose.
What affects your rate
Lenders don't pull APRs out of thin air. The rate you're offered reflects how a lender reads the risk of lending to you. A few things go into that:
Your credit profile
Your credit score and history are the biggest factor. A stronger track record of repaying debt usually means a lower rate.
The loan amount
Smaller loans sometimes carry higher APRs, because the lender's fixed costs are spread over less money. Larger loans can sometimes get better rates - up to a point.
The repayment term
A shorter term often means a lower APR but a higher monthly payment. A longer term lowers the monthly payment but usually raises the APR and the total cost.
Your income and existing debt
Lenders look at whether you can comfortably take on a new payment. Your debt-to-income ratio - how much of your monthly income already goes to debt - plays a role here.
The lender
Different lenders weigh these factors differently. That's part of why matching with several lenders is useful: you may see a range of offers for the same request.
You can't control all of these. But understanding them helps you read your offers - and understand why two people can apply for the same amount and be offered different rates.
Fees the lender may charge
These fees are set by the lender, not by Finance ADRI. Whether they apply - and how much they are - depends on the lender and the specific loan. Every fee a lender intends to charge must be disclosed in your loan agreement before you sign.
Origination fee
A one-time fee for processing the loan, usually deducted from the amount you receive. If you're approved for $2,000 with a 5% origination fee, you'd receive $1,900 and repay based on the full $2,000. Typically ranges from 1% to 8%.
Late payment fee
Charged if you miss a scheduled payment. The amount and grace period are set by the lender and spelled out in your agreement.
Returned payment fee
Charged if a scheduled payment fails to go through - for example, if there aren't enough funds in your account on the payment date.
Prepayment penalty
A fee some lenders charge if you pay your loan off early. Most lenders in our network don't charge this - paying early usually saves you money - but a few do. If a prepayment penalty applies, it'll be in your loan agreement, so check before you sign.
How repayment works
Most loans in our network are installment loans. That means you repay in fixed, regular payments - usually monthly - over the term of the loan. Each payment covers part of the principal (the amount you borrowed) and part of the interest.
Early in the loan, more of each payment goes toward interest. Later, more goes toward principal. By the end of the term, the loan is paid off in full. This is called amortization, and your lender will give you a schedule showing exactly how it breaks down.
Payments are typically set up as automatic withdrawals from your bank account on a fixed date each month. You arrange this directly with the lender after you accept an offer.
Where to find your specific terms
When you're matched with a lender in the app, you'll see indicative terms - the APR, the term, the estimated monthly payment, and any fees the lender plans to charge. This gives you enough to compare offers side by side.
The binding numbers come in the loan agreement, which the lender provides directly. That document is the real thing - read it in full before you sign. It will state the exact APR, every fee, the full repayment schedule, and what happens if you miss a payment.
If anything in the agreement isn't clear, ask the lender to explain it before you sign. Finance ADRI can't interpret a lender's contract on their behalf - they're the ones bound by it, and they're the ones who can answer.