Subject to approval based on creditworthiness. Applicants must be 18 or older, as required by state law and have a valid email address, mobile phone number, and street or AFO/APO address. A bank-issued debit card is required for the down payment. If approved, the rates, terms, and loan amounts offered will fall within the ranges provided above. The largest loan amounts and longest terms are not available at all merchants. Only the most creditworthy applicants qualify for the lowest rates, largest loan amounts, and longest terms. 0% APR plans are not available at all merchants. Loans are not available in or to residents of Connecticut, Vermont, West Virginia, or Wyoming. Loan rates, terms, and amounts are lower in some states due to legal requirements. Colorado residents and merchant locations: 0-35.99% APR for loans of $1,000 or less; 0-20.99% APR for loans over $1,000 but not more than $3,000; 0-14.99% APR for loans over $3,000. Hawaii residents and locations: maximum loan amount of $1,500; 3-month plans not available if loan is more than $500. Maine residents and locations: 0-29.99% APR for loans of $2,000 or less; 0-23.99% for loans more than $2,000 to $4,000; 0-17.99% APR for loans more than $4,000. Maryland residents and merchant locations: 0-23.99% APR; Massachusetts residents and locations: 0-17.99% APR for loans less than $1,000; 0-22.99% APR for loans from $1,000 to $6,000; 0-19.99% for loans over $6,000; New York residents and merchant locations: 0-15.99% APR. Account openings and payment activity are reported to a major credit bureau. Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.