Interest rates
Understanding loan rates—made simple
Learn how loan rates work, what affects your rate, and how to reduce the total cost of your loan.
Understanding your rate
How installment loans work
A short-term installment loan lets you borrow a fixed amount and repay it over time through scheduled payments. Your rate, payment amount, and timeline are clearly shown before you accept.
Clear terms upfront
See your payments, total cost, and APR before you accept
Fixed repayment schedule
Know exactly when and how much to pay
Access anytime
Manage your loan in your online account
Reducing the cost of your loan
Save money by paying early
No penalties for early payoff
Paying your loan off early can reduce the total cost of borrowing and give you more financial flexibility.
Smart ways to manage your loan
Pay on time to avoid late fees
Make extra payments to reduce interest
Pay off early with no prepayment penalties
Use rewards points to lower your balance
Need assistance?
You can submit additional payments or pay off your balance through your account portal. If you have questions, our support team is available at 877-671-5666.
Smart ways to manage your loan and costs
We believe borrowing should come with flexibility and transparency. Here are practical ways to reduce costs and stay in control of your loan.
Borrow what you need
Take only what you need
Pay on time
Stay on time to avoid fees
Make extra payments
Reduce your balance faster
Pay off early
No penalties for early repayment
Use rewards points
Apply points to your balance
Set up autopay
Stay on track automatically
Monitor your balance
Track your progress anytime
Build better habits
Stay consistent with payments
Know your rates
What affects your loan rate
Your rate is based on several factors, including but not limited to:
Credit and payment history
Income and employment
Existing debt obligations
The amount you borrow
The length of your repayment term
The amount you choose to borrow and how long you carry the balance will affect the total cost of your loan. Paying on time, making additional payments, or paying off your balance early may help reduce the overall amount you pay.
All loan details, including finance charges and APR, are disclosed in your loan agreement before you accept your offer.
Important information
This is an expensive form of borrowing and is not intended as a long-term financial solution. These loans are designed to assist with short-term financial needs.
All loans are subject to credit approval. We comply with all applicable federal and state lending laws.
We do not discriminate against applicants on the basis of race, color, religion, national origin, sex, marital status, age, public assistance income, or exercise of rights under the Consumer Credit Protection Act.