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Loans are made by Cross River Bank of Teaneck, New Jersey. Member FDIC and an Equal Opportunity Lender. For a loan of $10,000 with an APR of 11% repayable over three years, the monthly payment would be $328. To be eligible, you must be at least 18 years old; be a U.S. citizen in an eligible state (including the resident of an eligible state who serves in the Armed Forces); meet eligibility requirements such as income and credit thresholds; and provide a valid social security number, email address, U.S. bank account, and in some circumstances documentation verifying identity and/or income.