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.

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. 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.