Interest Rates

Making Sense of Your Rates

Knowing Your Short-Term Installment Loan

Our priority is to equip you with all the necessary details to help you make informed decisions regarding your loan. We provide a thorough breakdown of your payment amounts, payment dates, APR, and specific fee information, which includes any fees that may apply for late-payments and returned payments. All these details are clearly stated in your loan agreement.

You can review this information by logging in to your account at any time. We strongly advise that you take the time to carefully review these documents before signing to ensure that you have a full understanding of the terms of your loan.

If you have any questions or concerns regarding your loan or the terms outlined in your loan agreement, our Customer Success team is available to assist you 24/7 at 844-941-0035.

Lowering the Total Cost of Your Loan

How To Save Money on Your Loan

Benefit From Our Penalty-Free Early Payoff

We understand that life can be unpredictable, and we are committed to being available whenever you need our assistance. To help minimize the costs associated with your loan, we recommend borrowing only what you need and making timely repayments. The good news is that we do not impose any penalty fees for early repayments. If you wish to make a payment towards your principal balance or pay off your loan, you can conveniently do so by accessing your online account or by contacting us at 844-941-0035. We request ask that you give us at least three days' notice before your intended payment date.

Borrow only the necessary minimum amount to reduce overall costs
Utilize your Brilliant Rewards points to offset your loan balance
Make extra payments to your principal to decrease interest charges
Pay off your entire balance early to save on interest
Ensure timely repayment of the loan to avoid incurring late fees
Enjoy better rates as a returning customer

Understand Your Rates

Interest Rates on Loans

Interest rate is the percentage of the principal of a loan a lender charges a borrower to make the loan. Finance charges are a broader measure of the cost of borrowing that include both interest and any applicable fees. Annual percentage rate, or APR, expresses the finance charges on a loan as a yearly rate. Finance charges are based on a customer’s creditworthiness. A customer’s creditworthiness is determined by several factors, including credit and payment history, income, employment, existing debt, and types of debt. The APR for your loan will be determined by the amount you choose to borrow and the length of time you choose to keep your loan outstanding. You can reduce the total cost of your loan by paying off your loan prior to your last due date on your payment schedule or by making additional payments on or before your payment due dates.

The copy of your loan details, finance charges and APR will be fully disclosed to you in your loan agreement upon approval of your loan.

*All loans are subject to credit approval.