21st century financial range from 5.99% to 29.99% APR for first-time borrowers, with the lowest rates offered to the most creditworthy borrowers. Minimum loan amount is $5,000.00. Maximum loan amount is $100,000.00. Eligibility is not guaranteed and requires you to meet credit and other conditions, including: (a) continuing to meet prescreened offer criteria; (b) meeting our credit criteria based on your credit report, application, and history; (c) a debt-to-income ratio under 50%; and (d) at least one year of employment.