Rates & Terms by State
Select your state of residence to view rates, terms, and licenses.
The rates and terms of available loans are tailored to your situation, and they may vary by program. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors.
Please select a state from the dropdown menu above to see relevant information.
Alabama Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Alaska Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Arizona Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Arkansas Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Delaware Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Florida Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Georgia Rates, Terms & Licensing Information
$3,100.00 - $10,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
Hawaii Rates, Terms & Licensing Information
$1,600.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Idaho Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Indiana Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Kansas Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Kentucky Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Louisiana Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Michigan Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Minnesota Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Mississippi Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Missouri Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Montana Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
New Mexico Rates, Terms & Licensing Information
We no longer offer any loan products in New Mexico. The material presented here is for informational purposes only.
TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL
Personify Complaints
PO Box 208417
Dallas, TX 75320-8417
Telephone: 866-578-9546
Email: complaints@personifyfinancial.com
New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/.
Personify Complaints
PO Box 208417
Dallas, TX 75320-8417
Telephone: 866-578-9546
Email: complaints@personifyfinancial.com
New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/.
North Carolina Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Ohio Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Oklahoma Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Rhode Island Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
South Carolina Rates, Terms & Licensing Information
We no longer offer any loan products in South Carolina. The material presented here is for informational purposes only.
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Tennessee Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Texas Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Utah Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Virginia Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
Wisconsin Rates, Terms & Licensing Information
$500.00 - $15,000.00
36.00% - 179.50% (may be available for loans made by Personify Financial or First Electronic Bank, depending on your state of residence and program availability.)
6.00% - 35.99% (may be available from Participating Creditors.)
6.00% - 35.99% (may be available from Participating Creditors.)
12, 18, 24, 36 or 48 months
5% to 5.49% of the loan amount for certain loans made by Personify Financial or First Electronic Bank. Participating Creditors may have their own Origination Fee.
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*We may perform a “soft” inquiry to show you available offers for which you may be qualified. Soft inquiries do not affect your credit score. If you choose to submit an application for credit, we will perform “hard” inquiries which may affect your credit score.
Applied Data Finance, LLC d/b/a Personify Financial, and its affiliates1, service providers or agents and their successors and assigns (collectively, "we", "us" "our," or "Personify") provides you with a platform (the "Platform") through which you may submit prequalification inquiries for review by select creditors or other financial service providers with whom Personify has a relationship (the “Participating Creditor”).
When you submit your information through this website, your information may be reviewed for: (1) a loan made by Personify Financial, where available; (2) a loan made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah, where available, through the Personify Platform; or (3) offers from Participating Creditors. Not all applicants will qualify for all offers and submitting your information does not guarantee a loan offer or loan approval. Rates, terms, and licensing information vary by state and by lender. To review the loan programs, rates, terms, and licensing information applicable to your state, please visit our Rates, Terms, and Licensing Information page and select your state of residence. In See our Prequalification Terms and Conditions for additional details.
* For certain loans made by Personify Financial or First Electronic Bank, an origination fee is charged when the loan is made. Instead of being deducted from the amount you receive, the origination fee is added to your loan balance, so you receive the full requested loan proceeds. Because the origination fee is added to your loan balance, interest is charged on that amount and it increases the total cost of your loan.
†We do not provide access to every lender or financial product in the market. Other lenders or financial products may be available to you on different terms, including lower rates or fees. Your financial situation is unique, and you are responsible for reviewing all loan terms before making a borrowing decision. The rates and terms of available loans are tailored to your situation, and they may vary by program and the state in which you reside. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors. Some applicants may qualify for a Rate Reduction program. More details can be found by visiting www.personify.com/rate-reduction-info. Payment examples are provided below.
| Payment examples with an origination fee and rate reduction program are for illustrative purposes only | |
| Loan for $3,500 | 36-month loan, with an APR of 58.55%, an origination fee that will be included in the principal amount of your loan (5.49% of the amount you receive) of $192.15, and a bi-weekly payment schedule, you would make 13 payments of $98.57, 13 payments of $96.67, 13 payments of $95.09, 13 payments of $93.84, 13 payments of $92.97, and 13 payments of $92.49, repaying a total of $7,405.19 over the life of the loan with a finance charge of $3,905.19. |
| Loan for $3,500 | 36-month loan, with an APR of 97.19%, an origination fee that will be included in the principal amount of your loan (5.49% of the amount you receive) of $192.15, and a monthly payment schedule, you would make 6 payments of $307.21, 6 payments of $302.35, 6 payments of $298.06, 6 payments of $294.57, 6 payments of $291.97, and 6 payments of $290.49, repaying a total of $10,707.90 over the life of the loan with a finance charge of $7,207.90. |
| Loan for $3,500 | 36-month loan, with an APR of 177.36%, an origination fee that will be included in the principal amount of your loan (5.49% of the amount you receive) of $192.15, and a semimonthly payment schedule, you would make 12 payments of $262.10, 12 payments of $259.23, 12 payments of $256.53, 12 payments of $254.18, 12 payments of $252.29, and 12 payments of $251.19, repaying a total of $18,426.20 over the life of the loan with a finance charge of $14,926.24. |
Who Makes the Loan
| APR Range | State | Lender |
| Loans with APRs below 36% | All states listed on our Rates and Terms page | Participating Creditors with whom we have a contractual relationship |
| Loans with APRs at or above 36% | All states listed on our Rates and Terms page except Georgia | First Electronic Bank |
| Georgia | ADF of Georgia, LLC d/b/a Personify Financial |