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Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR, effective as of January 2024, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest is waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement.

Advertised terms are subject to change and are based on approved credit. The repayment period for the loan can vary from 24 to 132 months, depending on the balance and the terms of the agreement. For example, for a loan amount, the monthly payment could vary based on the final borrowed amount and the term of the loan. The minimum loan amount and the fixed APR of 19.99% apply to all loans. Please note that interest begins to accrue at the time of disbursement but is waived if the loan is repaid within 365 days from the first disbursement.