Rate: Home, Finance & Wellness

About

Rate is a next‑generation mortgage, auto, and wellness app that connects your home, finances, and daily wellbeing in one seamless experience. With fast approvals, intuitive tools, and a growing library of wellness and lifestyle content, Rate helps you move confidently through every part of life — from buying a home to improving your health. Homeownership & Lending: -Apply in minutes for a mortgage, refinance, HELOC, personal loan, or auto loan. -Explore homes for sale and check your home’s estimated value. -Track every step of your loan through the Loan Center with real‑time updates. -Connect with dedicated mortgage advisors and access insurance options for home, auto, pets, umbrella, and more. Auto Loans: -Browse vehicles by make, model, and body style. -Get instantly pre‑qualified and receive a printable voucher to bring to the dealership. -Compare financing options and shop confidently with clear terms. Wellness, Lifestyle & Performance: -Explore Yoga Yard flows, Zen Den meditations, Sleep Sanctuary soundscapes, and the 7‑Day Sleep Harmony series. -Train with athlete‑led programs including Train Like a Champ and Outdoor Studio workouts filmed in Miami and Chicago. -Build healthier routines with Nutrition Kitchen meal plans and Guru Garden mindfulness sessions. -Shop RateFit — premium performance apparel designed for movement, comfort, and everyday wear. -Discover Rate Outdoors for saunas, cold plunges, outdoor showers, and backyard wellness essentials. -Plan your next trip with Rate Travel, offering flights, hotels, and experiences directly within the app. Your Life, Connected  Rate brings together your financial tools, wellness routines, lifestyle products, and daily decisions to help you live more balanced every day. Rate Personal Loans:   Loans are made by Rate, Inc. (NMLS ID 2611).  You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Repayment options range from 1 – 5 years. Loan amounts range from $4,000 - $50,000. Standard fixed rates from 8.99% to 19.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, standard fixed rates range from 8.74% to 19.74% APR. Rates and loan amount may differ due to state-specific requirements and may impact your ability to qualify for a loan. Limitations: FL, ME, NC, TX, VT, PA, and CT (rate); IL, MA, CA, RI and NM (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates and terms are current as of 01/13/23 and are subject to change without notice. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities. Personal loans are only available in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, LA, ME, MA, MI, MD, MN, MO, ND, NC, NH, NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VT, WA, and WY as of 01/13/23. Loan applications outside of these states will not be accepted at this time. To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa.