Rates & Fees
Last updated: August 7, 2026
APR Range
The Annual Percentage Rate (APR) for financing options arranged through our service ranges from 5.99% to 35.99%. The APR you receive depends on the provider, your credit profile, income, request amount, and repayment term.
Representative Examples
The table below shows representative examples of financing costs. These are illustrative only — actual costs vary by provider.
| Request Amount | APR | Term | Est. Fees | Monthly Payment | Total Repayment |
|---|---|---|---|---|---|
| $500 | 24% | 12 Months | $25 (5%) | $49.65 | $595.80 |
| $1,000 | 24% | 12 Months | $50 (5%) | $99.29 | $1,191.48 |
| $2,500 | 19% | 24 Months | $125 (5%) | $120.45 | $2,890.80 |
| $5,000 | 13% | 48 Months | $250 (5%) | $134.12 | $6,437.76 |
Repayment Terms
Repayment terms range from a minimum of 91 days to a maximum of 72 months. Some providers may offer shorter or longer terms depending on the financing product and your eligibility.
Fees
Providers may charge origination or processing fees, typically up to 5% of the request amount. These fees are deducted from the financing proceeds or added to the balance. Personify Financial does not charge consumers any fees for using our service.
Late Payment
Late payments may result in additional fees and may negatively impact your credit score. Contact your provider directly if you anticipate difficulty making a payment.