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Interest rates and fees

Interest rates and fees

Taking out a loan with absolute transparency – no 'small print', no surprises

As a smart and social platform, the Tarya system enables you to understand, easily and simply, the cost of your loan. Any characteristic of the loan can be checked before taking it, and you can use a simulation that shows the monthly payments over the course of the loan period. The only fee paid to Tarya is the origination fee, paid only if and when the loan is financed. There is no fee or fine on early repayment.

Credit scoring in the Tarya system

The credit scoring in the system is determined using a unique algorithm and a sophisticated self-learning mathematical model designed to identify the risk involved in the loan, to rank it and accordingly determine the interest rate. The model was written by renowned experts in the area of underwriting.  


Up to 1 Year

Up to 2 Years

Up to 3 Years

Up to 4 Years

Up to 5 Years

 AA 
 Rank

4%

4.4%

4.4%

4.9%

4.9%

  A    Rank

4.5%

5%

5%

5.5%

5.5%

 AB
 Rank

5.5%

6.1%

6.1%

7.5%

7.5%

 BB 
 Rank

8.7%

9.5%

9.5%

10.3%

10.3%

1-Time Origination Fee


1 Year Loan

2 Year Loan

3 Year Loan

4 Year Loan

5 Year Loan

 AA 
 Rank
0.9% 1.75% 2.6% 3.5% 4.4%
  A    Rank
1.0% 2.0% 3.0% 4.0% 5.0%
 AB
 Rank
1.3% 2.55% 3.8% 4.65% 5.5%
 BB 
 Rank
1.9% 3.7% 5.5% 5.5% 5.5%
The table above displays interest rates for loans without collateral for up to 5 years. Tarya also offers loans with collateral (realestate, vehicle and others). The terms and interest rates for these types of loans might be different depending on the loan collateral and amount


*One-time origination fee: the only fee paid by the borrower (except in the case of falling behind in payments). This fee is paid to Tarya, only if and when the loan was financed. The fee sum is deducted from the loan sum transferred to the borrower.

**Investment fee: the only fee paid by the lender (investor) - amounts up to 0.5% of the portfolio in the platform and billed from each repayment received with interest. This fee is transferred to Tarya, and deducted from the monthly return credited to the investor.