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20:T54d,Origination fees will be charged if applicable.

To check eligibility, rates, and terms, LendKoi may request a soft credit inquiry. The soft inquiry will not affect your credit score. 

Credit offered by LendKoi is subject to available terms, eligibility, and approval. LendKoi may not offer all forms of credit, credit in all states, or to all consumers.  Eligibility is based on applicant’s credit profile and applicable underwriting criteria. LendKoi provides content for general information and education, not as professional advice. LendKoi is not a financial advisor. Please consult an expert for personalized guidance. LendKoi is not liable for any losses or financial decisions arising from information provided on this site.

Links to third-party websites may have a different privacy policy from LendKoi and may provide less security than this website. LendKoi is not responsible for the products, services, and content on any third-party website.

*Most customers receive a decision within 1 business day. After successful approval and verification, your funds can be deposited in your bank account within 1-3 business days. 

**Annual Percentage Yields (APYs) for all Term CDs are accurate as of January 9, 2026. 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