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NOVARA Lending

Borrow with a clear plan to repay

Seven kinds of loan, one application in the app. Our lending team reviews every application, and your offer shows the rate, the monthly payment, every fee, and the total cost before you accept.

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Loan products

Choose the loan that fits

Each loan has its own eligibility, documents, and terms. Pick one to see exactly what you'll need.

  • Personal loan

    For planned purchases, emergencies, or personal expenses, repaid in fixed monthly payments.

    Borrow
    $1,000 to $50,000
    APR from
    8.99%

  • Auto loan

    Financing for a new or used vehicle, secured against the vehicle you buy.

    Borrow
    $3,000 to $100,000
    APR from
    6.49%

  • Mortgage

    Long-term financing to buy a home, subject to valuation, affordability, and legal documentation.

    Borrow
    $50,000 to $1,500,000
    APR from
    5.99%

  • Student loan

    For tuition and education costs, with proof of enrollment and repayment terms suited to study.

    Borrow
    $1,000 to $80,000
    APR from
    4.99%

  • Home equity loan or HELOC

    Borrow against the equity in your home as a lump sum or as a line of credit you draw from.

    Borrow
    $10,000 to $500,000
    APR from
    7.49%

  • Business loan

    For working capital, equipment, or expansion, assessed on your business records and cash flow.

    Borrow
    $5,000 to $500,000
    APR from
    7.99%

  • Debt consolidation loan

    Combine eligible debts into one loan with a single monthly payment and a clear end date.

    Borrow
    $2,000 to $50,000
    APR from
    7.99%

How lending works

From application to final payment

  1. 01Apply onlineChoose the amount and term, tell us about your finances, and upload your documents.
  2. 02AssessmentOur lending team checks your documents, credit commitments, and affordability.
  3. 03Decision and offerIf approved, you get an offer with the rate, monthly payment, fees, and total cost.
  4. 04Accept and receive fundsAccept the offer in the app and the money is paid into your NOVARA account.
  5. 05Repay on scheduleFollow every payment, the balance outstanding, and the next due date in the app.

Apply from your NOVARA account.

Request access, open your account, and apply for any loan in the app.

Request access