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Rate Drop

Experience the future of fairer borrowing for everyone, with Rate Drop™ Technology

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What is Rate Drop?

Rate Drop is our exclusive loan feature that rewards you for consistent, on-time payments. Unlike other lenders, we offer a single fixed APR for everyone. We then reduce your interest rate if you stick to your repayment plan.

It’s our way of making borrowing fairer and giving you something back for managing your loan responsibly.

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How does Rate Drop work?

  • Everyone starts with the same fixed APR - no complicated tiers or hidden pricing

  • Make 6 consecutive on-time monthly payments and your APR will automatically drop

  • Your monthly repayment will go down too

  • On loans longer than 12 months, make another 6 on-time payments and receive a second Rate Drop

  • If you miss or are late with a payment, the 6-month countdown resets from the next on-time payment

  • If you already received a Rate Drop and then miss a payment, your rate won’t go back up

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Why Rate Drop?

Because we believe good repayment habits should be rewarded, not ignored.

It’s simple, automatic, and only available from us. That’s why we call it a fairer way to repay.

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