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Am I eligible for a refinance on my loan?

Our bank partners review multiple factors when determining refinance eligibility, including, but not limited to, your current loan history, such as paying at least 15% or $400 towards your current principal loan balance (whichever comes first) and making on-time payments, as well as your previous loan history.

Not everyone eligible to apply for a loan refinance will be approved when they apply. If you are eligible to apply for a refinance, you will see a “Refinance Now” option in the customer portal.

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.

Fees

Cash Advance Fee

10% of the amount of each Cash Advance. (This fee is a Finance Charge).

Carried Balance Fee

Assessed each Billing Cycle based on the Carried Balance and the outstanding Average Daily Balance. (This fee is a Finance Charge).

Average Daily Balance	Billing Cycle Charge
Average Daily Balance	Biweekly	Semi-Monthly	Monthly
$0.00 - $25.00	$0	$0	$0
$25.01 - $250.00	$14	$16	$23
$250.01 - $500.00	$28	$31	$62
$500.01 - $750.00	$36	$39	$79
$750.01 - $1,000.00	$52	$57	$114
$1,000.01 - $1,250.00	$66	$71	$142
$1,250.01 - $1,500.00	$80	$87	$174
$1,500.01 - $1,750.00	$95	$102	$205
$1,750.01 - $2,000.00	$109	$118	$237
$2,000.01 - $2,250.00	$123	$133	$266
$2,250.01 - $2,500.00	$136	$148	$296
$2,500.01 - $2,750.00	$152	$164	$328
$2,750.01 - $3,000.00	$163	$176	$353
$3,000.01 - $3,250.00	$176	$191	$383
$3,250.01 - $3,500.00	$190	$206	$412
$3,500.01 - $3,750.00	$203	$220	$440
$3,750.01 or greater	$216	$234	$469