*1 This continues as long as you continue to repay your loans on time. If you do not repay your loan on time you will not borrow at a reduced rate the next time you apply.

*2 This will only apply when you borrow within two months of your referred friend/friends paying back the last loan they took.

*3 Whenever you refer someone to us, we reduce your interest rate by 2.5%. Your valid referrals are capped at 4.

*4 If you have four referrals who repaid on time within the last two months you borrow at 12.5%.

For you to always borrow at a rate of 12.5%, you must maintain four referrals who have repaid their loan on time within the last 2 months.