The lenders charge the curiosity at comparatively high rates. In case you're worried you won't qualify for a mortgage or simply need to find a strategy to get money with out it affecting your credit, there are alternatives. LendingPoint makes mortgage offers from $2,000 to $25,000, at charges ranging from a low of 15.forty nine% APR to a excessive of 34.99% APR, with phrases from 24 to forty eight months.