Indigo Card Rates & Fees
Every APR range, fee, and payment example in one place — so you know the full cost before you apply. No hidden charges, no prepayment penalty.
What rate could you get?
Your APR is based mainly on your credit score, income, and loan term. These are typical ranges — pre-qualifying shows your actual rate with no impact to your score.
| Credit tier | FICO score | Typical APR |
|---|---|---|
| Excellent | 720+ | 5.99% – 11.99% |
| Good | 660 – 719 | 12.00% – 19.99% |
| Fair | 600 – 659 | 20.00% – 27.99% |
| Rebuilding | Below 600 | 28.00% – 35.99% |
Every fee, in plain English
These are the only fees that can apply to an Indigo Card loan. Your exact fees appear in your loan agreement before you sign.
| Fee | Amount | Details |
|---|---|---|
| Application fee | $0 | Never charged |
| Origination fee | 0% – 5% | Deducted from loan proceeds; shown before you sign |
| Prepayment penalty | $0 | Pay off early at any time |
| Late payment fee | Up to $41 | Varies by state law |
| Returned payment (NSF) | Up to $29 | Per failed payment |
| Payment by phone or online | $0 | No convenience fee |
What you'd actually pay
Calculated with standard amortization and no origination fee. Your terms may differ.
- Monthly
- $48.72
- Interest
- $84.63
- Total repaid
- $584.63
- Monthly
- $100.71
- Interest
- $312.85
- Total repaid
- $1,812.85
- Monthly
- $127.12
- Interest
- $550.82
- Total repaid
- $3,050.82
- Monthly
- $173.08
- Interest
- $1,230.95
- Total repaid
- $6,230.95
Indigo® Mastercard® costs
If you're comparing the Indigo® Mastercard® credit card, these are its typical published ranges. Confirm your exact terms in your cardholder agreement.
| Item | Typical range | Notes |
|---|---|---|
| Purchase APR | 24.9% – 35.9% | Variable; depends on your offer |
| Annual fee | $0 – $175 | Some offers waive it; others charge it the first year |
| Initial credit limit | $300 – $1,000 | Set at approval |
| Issuer / servicer | Celtic Bank / Concora Credit | Account access at myindigocard.com |
Indigo Card USA is an independent site and does not issue the Indigo® Mastercard®. Card terms can change; check the issuer's current disclosures before applying.
6 ways to lower your cost
Raise your score first
Paying card balances below 30% of their limits and making 3 months of on-time payments can move you into a lower APR tier.
Choose a shorter term
Shorter terms cost more per month but much less in total interest. Use the calculator to compare.
Show all your income
Include part-time, gig, and benefit income. A lower debt-to-income ratio improves your offer.
Ask about the origination fee
Compare offers on APR, not just the rate — APR includes fees and shows the true cost.
Set up autopay
Automatic payments prevent late fees and protect the on-time history that drives your score.
Borrow only what you need
A smaller amount lowers both the payment and total interest, and is easier to approve.
See your exact rate
Pre-qualification takes 60 seconds and uses a soft credit pull.