Repayment Options That Fit Your Life
Your budget is unique, so your loan should be too. Choose from flexible term lengths and payment options designed to make repayment manageable and stress-free.
Loan Term Length Options
Select a repayment term that balances your monthly budget with total interest costs. Shorter terms mean higher payments but less interest overall.
Short Term
6-12 MonthsExample: $2,000 loan at 15.99% APR
- Lowest total interest cost
- Debt-free faster
- Build credit quickly
Best for: Those who can afford higher monthly payments and want to minimize interest costs.
Medium Term
24-36 MonthsExample: $2,000 loan at 15.99% APR
- Balanced payments
- Moderate interest cost
- Manageable timeline
Best for: Most borrowers seeking a balance between affordable payments and reasonable interest.
Long Term
48-60 MonthsExample: $2,000 loan at 15.99% APR
- Lowest monthly payment
- Maximum budget flexibility
- Easier qualification
Best for: Those needing the lowest possible monthly payment or managing tight budgets.
Remember: You can always pay off your loan early without penalties. Start with a longer term for lower required payments, then pay extra when you can.
Convenient Payment Methods
We make it easy to pay your loan on time with multiple payment options. Choose what works best for you and never worry about missing a due date.
AutoPay (ACH)
RecommendedSet it and forget it. Automatic payments are deducted from your bank account on your due date. Never miss a payment and enjoy peace of mind.
Debit Card
Make one-time payments using your debit card through our secure online portal. Quick, easy, and processed the same business day.
Bank Transfer
Log in to your account and initiate a one-time ACH transfer from your bank account. Typically processes within 1-2 business days.
Pay by Phone
Call our customer service team to make a payment over the phone. Available during business hours for those who prefer personal assistance.
Check by Mail
Send a personal check to our payment processing center. Allow 7-10 days for processing. Include your account number on the check.
Pay Off Early and Save
Unlike many lenders, we never charge prepayment penalties. Pay off your loan early and keep more money in your pocket.
Save on Interest
Every extra payment reduces your principal balance, which means less interest charged going forward. Even small extra payments add up over time.
Become Debt-Free Sooner
Paying extra each month or making lump sum payments accelerates your payoff timeline. Financial freedom arrives faster than scheduled.
Boost Your Credit
Successfully paying off a loan improves your credit history and reduces your debt-to-income ratio, positioning you for better terms on future borrowing.
Zero Penalties
There's never a fee for paying off your loan early, making extra payments, or paying more than the minimum. Your money works for you, not against you.
See the Savings
Example: $3,000 loan at 18.99% APR, 36-month term
Standard Payments
Pay $50 Extra/Month
Payment Flexibility When You Need It
We understand that financial situations can change. When unexpected challenges arise, we're here to work with you rather than against you.
Easy Online Loan Management
Our secure online portal gives you 24/7 access to manage your loan, make payments, and track your progress.
View Balance & Progress
See your current balance, payment history, and how much you've paid down. Track your journey to becoming debt-free.
Schedule Payments
Set up one-time payments for specific dates or schedule recurring extra payments to pay off faster.
Download Statements
Access and download monthly statements and year-end summaries for your records or tax purposes.
Update Account Info
Change your payment method, update contact information, or adjust AutoPay settings anytime.
Manage Preferences
Control your communication preferences, paperless settings, and notification alerts.
Get Help Anytime
Access FAQs, contact support, or request a callback—all from within your secure account dashboard.
Repayment FAQs
What happens if I miss a payment?
We offer a 15-day grace period before reporting to credit bureaus. Contact us immediately if you anticipate difficulty—we can often work out a solution together.
Can I change my payment due date?
Yes, you can request a due date change through your online account or by contacting customer service. We'll work to align your due date with your pay schedule.
How do extra payments apply to my loan?
Extra payments go directly to your principal balance, reducing the amount you owe and the interest you'll pay over time. You can make extra payments anytime online.
Is there a fee to pay off my loan early?
Never. We don't charge prepayment penalties. Pay off your loan whenever you're ready without any additional fees.
Ready to Find Your Perfect Payment Plan?
Check your personalized rates and see payment options for different term lengths. Find the monthly payment that fits your budget.
No credit impact to check rates • Compare term options • No obligation