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Eligible States
We are currently in a "limited launch period" and offering our loan program in select states. We will gradually add more states in the coming months. Borrowers can attend a school in any state, but borrowers and cosigners must be residents of the states listed below.
Lenders can be from any state or US Territory.
 
State Minimum Loan Amount Maximum Loan Amount Maximum Interest (APR) Late Fee
(15-day grace period)		 Failed Payment (NSF) Fee
Alabama
 $2,500 $20,000 30.00% 5.00% of the unpaid installment amount $15
Florida
 $2,500 $20,000 18.00% $10 $15
Georgia
 $3,000 $20,000 36.00% 5.00% of the unpaid installment amount $15
Louisiana
 $2,500 $20,000 21.00% greater of $15 or 5.00% of the unpaid installment amount $15
Massachusetts
 $6,000 $20,000 20.00% greater of $15 or 5.00% of the unpaid installment amount $15
Nebraska
 $2,500 $20,000 16.00% greater of $15 or 5.00% of the unpaid installment amount $15
New Jersey
 $2,500 $20,000 16.00% - $15
New Mexico
 $2,500 $20,000 30.00% greater of $15 or 5.00% of the unpaid installment amount $15
New York
 $2,500 $20,000 16.00% 5.00% of the unpaid installment amount $15
North Carolina
 $2,500 $20,000 16.00% 4.00% of the unpaid installment amount $15
Ohio
 $5,000 $20,000 25.00% greater of $15 or 5.00% of the unpaid installment amount $15
Oklahoma
Supervised Lender License #SL007309		 $2,500 $20,000 21.00% $15 $15
Utah
Consumer Credit Notification		 $2,500 $20,000 30.00% $15 $15
West Virginia
 $2,500 $20,000 18.00% lesser of $15 or 5.00% of the unpaid installment amount $15
Wisconsin
Consumer Act Registration #51763		 $2,500 $20,000 18.00% lesser of $10 or 5.00% of the unpaid installment amount $15
Wyoming
Supervised Lender License #SL-3025		 $2,500 $20,000 21.00% greater of $10 or 5.00% of the unpaid installment amount $15
 
NOTE: The rates shown above are the legal maximum rates for the state a borrower resides in. These are NOT the rates Fynanz currently charges. For rates currently in effect, see the Rates & Fees section.