Rates, Terms and Licensing Information
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
$500.00 - $15,000.00
35.00% - 179.99%
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 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.
Installment loans for residents of Alabama
$2,000.00 - $10,000.00
35.00% - 179.99%
12, 18, 24, 36 or 48 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.
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 are not currently offering a loan product in this state.
We only have a loan product available in California for customers who received a prequalified offer prior to December 31, 2019
$500
at or below 36%
12 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. 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.
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 Georgia
$3,100.00 - $10,000.00
35.00% - 59.99%
12, 18, 24, 36 or 48 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.
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 currently do not have a loan product available in Illinois
If you previously received a prequalified offer prior to February 02, 2021 see below for application terms
$1,000.00
at or below 36%
12 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.
Installment loans for residents of Missouri
$500.00 - $10,000.00
35.00% - 179.99%
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.
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
$500.00 - $10,000.00
35.00% - 175.00%
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.
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 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
$1,000.00 - $7,500.00
35.00% - 199.99%
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.
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
$500.00 - $10,000.00
35.00% - 179.99%
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.
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
$500.00 - $10,000.00
35.00% - 179.99%
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.
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.
