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CONNECT YOUR ACCOUNTS FOR FINANCIAL INSIGHTS - Track your monthly spending - Monitor transactions - Look out for ATM fees, late payments and more GET TO KNOW YOUR CREDIT - Get alerts when credit scores change - Learn what affects your scores and how to build credit EXPLORE YOUR OFFERS - Compare offers and apply with more confidence:† - Loan amounts - Rates you could be approved for STAY INFORMED Be alerted of changes and opportunities. - Credit score changes - Identity monitoring - Rate monitoring—we’ll let you know if we see better interest rates BANK ONLINE Open Credit Karma Money Spend and Save accounts*** from the app. FIND COMPETITIVE CAR INSURANCE OPTIONS - Compare options to see if you could save - You may unlock a discount on a new policy if you’re a good driver Credit Karma Plus is rolling out over the coming months. Paying subscribers will get features that help protect your identity, remove your data from the web, lower your bills, and file your taxes with expert help. DISCLOSURES *Credit Builder plan requires you to open a line of credit and a Credit Builder savings account, both banking services provided by Cross River Bank, Member FDIC. Credit Builder savings account is a deposit product, insured up to $250,000. Credit Builder is serviced by Credit Karma Credit Builder. Members with a TransUnion credit score of 619 or below at time of application may be prompted to apply for Credit Builder. **From June 2024 to Nov 2024, members with a TU credit score of 619 or below who opened a plan and had it reported on their TU report saw an average score increase of 17 points in 3 days of activation. Late payments and other factors can negatively impact your score. ***Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Screens simulated. For display only. Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | CA loans arranged pursuant to a CA Financing Law license. Insurance services offered through Karma Insurance Services, LLC. CA resident license #0172748 Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID#1588622 ELIGIBILITY AND ADDITIONAL DETAILS; PERSONAL LOAN INTEREST RATES AND FEES. You can see personal loan offers on the Credit Karma personal loan marketplace from third party advertisers from which Credit Karma receives compensation. The offers you see on this page have rates that range from 5.39% APR to 35.99% APR with terms from 1 to 10 years. Rates are subject to change without notice and are controlled by our third party advertisers, not Credit Karma. Depending on the particular lender, other fees may apply, such as origination fees or late payment fees. See the particular lender's terms and conditions for additional details. All loan offers on Credit Karma require your application and approval by the lender. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts. PERSONAL LOAN REPAYMENT EXAMPLE. The following example assumes a $15,000 personal loan with a four year (48 month) term. For APRs ranging from 5.39% to 35.99%, monthly payments would range from $348 to $594. Assuming all of the 48 payments are made on-time, the total amount paid would range from $16,709 to $28,492. †Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the personal loan, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.