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Maximum APRs on new loans will not exceed 35.99%. APRs vary by state law, loan amount, and your credit profile. Repayment terms range from a minimum of 12 months to a maximum of 72 months. Your credit history, income, debt obligations, collateral (if applicable), and prior loan experience are considered when determining eligibility and loan terms. There are no prepayment penalties. Representative Example: For a $4,500 loan with a 42-month term at a 29.00% interest rate, the APR is 33.10% (including permitted loan origination fees). You would make 42 monthly payments of $172. Texas Example: For a $4,500 loan at 30.26% APR with a finance charge of $2,848.00, you would make 42 monthly payments of $174.96, for a total payment of $7,348.00. The amount financed may not be the net proceeds paid to you if charges other than interest are included in the loan.