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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. Rate reduction reduces your interest rate only, not APR. 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 repaid, 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. If you do not make any on-time payment, the APR, finance charge, total of payments and scheduled payments you must pay under your loan agreement will be greater than the amounts shown. 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.