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.

We do not currently have a loan product available in Nebraska.

Installment loans for residents of

$500.00 - $15,000.00

19.00% - 179.50%

12, 18, 24, 36 or 48 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.

Origination fee of 5% of loan amount 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, 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.

Payment Examples
Payment example with Origination Fee: 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.

Payment example without Origination Fee and with 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.

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

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

Personify Financial installment loans for residents of Alabama

$2,000.00 - $10,000.00

35.00% - 179.99%

12, 18, 24, 36 or 48 months

Alabama 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 Alabama

$500.00 - $15,000.00

19.00% - 179.50%

12, 18, 24, 36 or 48 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.

Origination fee of 5% of loan amount may be charged to your loan.

Loans offered in your state may be 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.

Payment Examples Payment example with Origination Fee: 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.
Payment example without Origination Fee and with 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.
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 for the life of the loan with a finance charge of $10,586.36.

Installment loans for residents of Georgia

$3,100.00 - $10,000.00

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.

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.

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

Personify Financial installment loans for residents of Idaho

$500.00 - $10,000.00

35.00% - 179.99%

12, 18, 24 or 36 months

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 Idaho

$500.00 - $15,000.00

19.00% - 179.50%

12, 18, 24, 36 or 48 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.

Origination fee of 5% of loan amount may be charged to your loan.

Loans offered in your state may be 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.

Payment Examples Payment example with Origination Fee: 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.
Payment example without Origination Fee and with 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.
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 for the life of the loan with a finance charge of $10,586.36.

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

Personify Financial installment loans for residents of Missouri

$500.00 - $10,000.00

35.00% - 179.99%

12, 18, 24 or 36 months

Missouri 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 Missouri

$500.00 - $15,000.00

19.00% - 179.50%

12, 18, 24, 36 or 48 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.

Origination fee of 5% of loan amount may be charged to your loan.

Loans offered in your state may be 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.

Payment Examples Payment example with Origination Fee: 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.
Payment example without Origination Fee and with 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.
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 for the life of the loan with a finance charge of $10,586.36.

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

Personify Financial installment loans for residents of New Mexico

$500.00 - $10,000.00

35.00% - 175.00%

12, 18, 24, or 36 months

New Mexico License

New Mexico License

New Mexico License

New Mexico 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 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
PO Box 208417
Dallas, TX 75320-8417
(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/

First Electronic Bank installment loans for residents of New Mexico

$500.00 - $15,000.00

19.00% - 179.50%

12, 18, 24, 36 or 48 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.

Origination fee of 5% of loan amount may be charged to your loan.

Loans offered in your state may be 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.

Payment Examples Payment example with Origination Fee: 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.
Payment example without Origination Fee and with 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.
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 for the life of the loan with a finance charge of $10,586.36.

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

Personify Financial installment loans for residents of South Carolina

$1,000.00 - $7,500.00

35.00% - 199.99%

12, 18, 24, or 36 months

South Carolina License
South Carolina License

South Carolina License
South Carolina License

South Carolina License
South Carolina License

South Carolina 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 South Carolina

$500.00 - $15,000.00

19.00% - 179.50%

12, 18, 24, 36 or 48 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.

Origination fee of 5% of loan amount may be charged to your loan.

Loans offered in your state may be 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.

Payment Examples Payment example with Origination Fee: 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.
Payment example without Origination Fee and with 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.
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 for the life of the loan with a finance charge of $10,586.36.

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

Personify Financial installment loans for residents of Utah

$500.00 - $10,000.00

35.00% - 179.99%

12, 18, 24 or 36 months

Utah 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 Utah

$500.00 - $15,000.00

19.00% - 179.50%

12, 18, 24, 36 or 48 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.

Origination fee of 5% of loan amount may be charged to your loan.

Loans offered in your state may be 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.

Payment Examples Payment example with Origination Fee: 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.
Payment example without Origination Fee and with 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.
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 for the life of the loan with a finance charge of $10,586.36.