Rates, Terms and Licensing Information

Select your state of legal residence to see the rates and terms that apply to you.

Please select your state of legal residence to see the rates and terms that apply to you.

We tailor the rates and terms of our loans to your unique financial 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.

Installment loans for residents of

$500 - $10,000

35.00% - 179.99%

6, 9, 12, 18, 24 or 36 months

5% of loan amount *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.

Loans offered in your state are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah, member FDIC. 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.

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples
Example 1: For a $3,500.00, 36-month loan, with an APR of 35.28%, 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 repayment schedule, you would make 36 payments of $158.88, repaying a total of $5,719.68 for the life of the loan with a finance charge of $2,219.68.

Example 2, Rate Reduction Program: For a $3,500.00, 36-month loan, with an APR of 97.45%, and a monthly repayment schedule, you would make 6 Payments of $307.74, 6 Payments of $303.00, 6 Payments of $298.82, 6 Payments of $295.38, 6 Payments of $292.81, and 6 Payments of $291.32, repaying a total of $10,734.42 over the life of the loan with a finance charge of $7,234.42.

Example 3: 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 for the life of the loan with a finance charge of $10,586.36.

Installment loans for residents of Alabama

$2,000 - $10,000

35.00% - 179.99%

9, 12, 18, 24, 36 or 48 months

Alabama License

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $3,500, 36-month loan, with an APR of 179.65%, and a monthly payment schedule, you would make 36 payments of $527.45, repaying a total of $18,988.20 for the life of the loan with a finance charge of $15,488.20.
We tailor the rates and terms of our loans to your unique financial 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. Loan offered in your state are made by Personify Financial or First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah, member FDIC.
Apply Now

Personify Financial installment loans for residents of California

$2,600 - $10,000

35.00% - 179.99%

12, 18, 24, 36 or 48 months

California License

†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $3,500, 36-month loan, with an APR of 179.65%, and a monthly payment schedule, you would make 36 payments of $527.45, repaying a total of $18,988.20 for the life of the loan with a finance charge of $15,488.20.

First Electronic Bank installment loans for residents of California

$500 - $10,000

35.00% - 179.99%

6, 9, 12, 18, 24 or 36 months

5% of loan amount

*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.
Loans offered through this program are made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah, member FDIC. Personify works with First Electronic Bank to originate installment loans made by First Electronic Bank using the Personify Platform. Residents of this state under this program 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: Example 1: For a $3,500.00, 36-month loan, with an APR of 35.28%, 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 repayment schedule, you would make 36 payments of $158.88, repaying a total of $5,719.68 for the life of the loan with a finance charge of $2,219.68.
Example 2: Rate Reduction Program: For a $3,500.00, 36-month loan, with an APR of 97.45%, and a monthly repayment schedule, you would make 6 Payments of $307.74, 6 Payments of $303.00, 6 Payments of $298.82, 6 Payments of $295.38, 6 Payments of $292.81, and 6 Payments of $291.32, repaying a total of $10,734.42 over the life of the loan with a finance charge of $7,234.42.
Example 3: 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 for the life of the loan with a finance charge of $10,586.36.

Installment loans for residents of Georgia

$3,100 - $10,000

35.00% - 59.99%

12, 18, 24, 36 or 48 months

Georgia License

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $4,300, 36-month loan, with an APR of 59.04%, no origination fee, and a monthly repayment schedule, you would make 36 payments of $257.21, repaying a total of $9,259.56 for the life of the loan with a finance charge of $4,959.56.

Installment loans for residents of Illinois

$1,000 - $4,000

35.00% - 99.00%

6, 9, 12, 18, 24, 36 or 48 months

Illinois License

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $3,500, 36-month loan, with an APR of 89.77%, with a monthly repayment schedule you would make 36 payments of $282.90, repaying a total of $10,184.40 for the life of the loan with a finance charge of $6,684.40.

Installment loans for residents of Missouri

$500 - $10,000

35.00% - 179.99%

6, 9, 12, 18, 24 or 36 months

Missouri License

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $3,500, 36-month loan, with an APR of 179.65%, and a monthly payment schedule, you would make 36 payments of $527.45, repaying a total of $18,988.20 for the life of the loan with a finance charge of $15,488.20.

Installment loans for residents of New Mexico

$500 - $10,000

35.00% - 175.00%

6, 9, 12, 18, 24 or 36 months

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $3,500, 36-month loan, with an APR of 174.66%, and a monthly payment schedule, you would make 36 payments of $513.27, repaying a total of $18,477.72 for the life of the loan with a finance charge of $14,977.72.

To report a problem or complaint with this
Lender, You may write or call:

Vice President, Legal & Compliance
P.O. Box 500650
San Diego, CA 92150
(858) 275-2039
kbowens@applieddatafinance.com

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 http://www.rld.state.nm.us/financialinstitutions/

Installment loans for residents of South Carolina

$500 - $7,500

35.00% - 199.99%

6, 9, 12, 18, 24 or 36 months

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $3,500, 36-month loan, with an APR of 179.65%, and a monthly payment schedule, you would make 36 payments of $527.45, repaying a total of $18,988.20 for the life of the loan with a finance charge of $15,488.20.

Installment loans for residents of Utah

$500 - $10,000

35.00% - 179.99%

6, 9, 12, 18, 24 or 36 months

Utah License

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $3,500, 36-month loan, with an APR of 179.65%, and a monthly payment schedule, you would make 36 payments of $527.45, repaying a total of $18,988.20 for the life of the loan with a finance charge of $15,488.20.

Installment loans for residents of Idaho

$500 - $10,000

35.00% - 179.99%

6, 9, 12, 18, 24 or 36 months

We tailor the rates and terms of our loans to your unique financial 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.

Apply Now
†Payment Examples: Example 1: For a $4,000, 36-month loan, with an APR of 35.52%, and a monthly payment schedule, you would make 36 payments of $182.13, repaying a total of $6,556.68 for the life of the loan with a finance charge of $2,556.68.
Example 2: For a $3,500, 36-month loan, with an APR of 179.65%, and a monthly payment schedule, you would make 36 payments of $527.45, repaying a total of $18,988.20 for the life of the loan with a finance charge of $15,488.20.