1. Interest rates on bank term loans depend on loan term and the applicant's credit and financial profile.
2. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, the lenders with whom we work will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and happens after your application is in the funding process and matched with a lender who is likely to fund your loan.

* Interest rate depends on loan term and the applicant's credit and financial profile. Qualifying customers may have the option to reduce their term loan interest rate by 2% if they choose a prepayment penalty of 5% of the total outstanding balance.