Rates & Terms by State

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

†Payment Examples
Example 1: For a $4,000, 36-month loan, with an APR of 54.03%, and a monthly payment schedule, you would make 36 payments of $219.01, repaying a total of $7,884.36 over the life of the loan with a finance charge of $3,884.36.
Example 2: For a $4,300, 36-month loan, with an APR of 59.04%, and a monthly payment schedule, you would make 36 payments of $257.21, repaying a total of $9,259.56 over the life of the loan with a finance charge of $4,959.56.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

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/.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state may be made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 36-month loan, with an APR of 59.00%, an origination fee that will be included in the principal amount of your loan (5% of the amount you receive) of $175.00, and a monthly payment schedule, you would make 6 payments of $211.29, 6 payments of $207.23, 6 payments of $203.80, 6 payments of $201.10, 6 payments of $199.17, and 6 payments of $198.10, repaying a total of $7,324.14 over the life of the loan with a finance charge of $3,824.14.
For a $3,500.00, 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 $294.97, 6 payments of $290.27, 6 payments of $286.16, 6 payments of $282.77, 6 payments of $280.28, and 6 payments of $278.85, repaying a total of $10,279.80 over the life of the loan with a finance charge of $6,779.80.For a $3,500.00, 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 $294.97, 6 payments of $290.27, 6 payments of $286.16, 6 payments of $282.77, 6 payments of $280.28, and 6 payments of $278.85, repaying a total of $10,279.80 over the life of the loan with a finance charge of $6,779.80.
For a $3,500.00, 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 $260.91, 12 payments of $258.04, 12 payments of $255.34, 12 payments of $252.97, 12 payments of $251.10, and 12 payments of $249.99, repaying a total of $18,340.20 over the life of the loan with a finance charge of $14,840.20.For a $3,500.00, 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 $260.91, 12 payments of $258.04, 12 payments of $255.34, 12 payments of $252.97, 12 payments of $251.10, and 12 payments of $249.99, repaying a total of $18,340.20 over the life of the loan with a finance charge of $14,840.20.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
An origination fee will be charged to your loan. Rates and terms, including origination fee, loan amount, interest rate, loan term, and APR may vary based on creditworthiness and the state in which you reside.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.
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.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program:
For a $3,500.00, 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.
For a $3,500.00, 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.
For a $3,500.00, 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.

*We charge this at the time we approve your loan and you e-sign your loan agreement. We add it to the amount that you receive instead of subtracting it, so you have use of the full amount that you asked to borrow. It's a one-time fee you pay for over time as part of your scheduled loan payments. Excludes loans funded to merchants.
Origination fee of 5% of the financed amount or $175, whichever is lower, may be charged to your loan.
Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state can qualify for a Rate Reduction program. Those seeking a loan, and who are eligible for this program, will be provided more detail on the Offer Page.

†Payment Examples
Payment example with Origination Fee and with Rate Reduction Program: For a $3,500.00, 36-month loan, with an APR of 59.00%, an origination fee that will be included in the principal amount of your loan (5% of the amount you receive) of $175.00, and a monthly payment schedule, you would make 6 payments of $211.29, 6 payments of $207.23, 6 payments of $203.80, 6 payments of $201.10, 6 payments of $199.17, and 6 payments of $198.10, repaying a total of $7,324.14 over the life of the loan with a finance charge of $3,824.14.
Payment example with Origination Fee and with Rate Reduction Program: For a $2,500.00, 36-month loan, with an APR of 176.84%, an origination fee that will be included in the principal amount of your loan (5% of the amount you receive) of $125.00, and a monthly payment schedule, you would make 6 payments of $372.29, 6 payments of $368.21, 6 payments of $364.40, 6 payments of $361.05, 6 payments of $358.38, and 6 payments of $356.73, repaying a total of $13,086.36 over the life of the loan with a finance charge of $10,586.36.