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Plus, your interest rate drops 2% points for every 6 months of on-time payments for eligible loans!* (learn more)
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1We may perform a "soft" inquiry to show you available offers for which you may be qualified. Soft inquiries do not affect your FICO® score. If you choose to submit an application for credit, we will perform “hard” inquiries which may affect your credit score.
*The rate reduction program is applicable only to loans with an APR greater than 29.99% and with loan repayment terms greater than 6-months. Your interest rate will not be reduced below the program minimum interest rate of 24.00%.
The maximum program APR is 99% or 179.99%, depending on the program you are participating in. Please see your mailer for further details and information.
Your interest rate may decrease every 6 months with on-time payments. In disclosing the APR, finance charge, total amount to be paid, as well as the number and amount of payments to be made, the lender has assumed that each payment you make will be an on-time payment. Payments made late will cause the APR, finance charge, and total of payments to be greater than the amount shown in your loan agreement. For example, the loan payment you must make by a scheduled payment due date will not decrease to a lower payment unless and until you have made the number of consecutive on-time payments required to qualify for a reduced interest rate and reduced payment.
Your interest rate may decrease every 6 months with on-time payments. In disclosing the APR, finance charge, total amount to be paid, as well as the number and amount of payments to be made, the lender has assumed that each payment you make will be an on-time payment. Payments made late will cause the APR, finance charge, and total of payments to be greater than the amount shown in your loan agreement. For example, the loan payment you must make by a scheduled payment due date will not decrease to a lower payment unless and until you have made the number of consecutive on-time payments required to qualify for a reduced interest rate and reduced payment.
