Time Financing Service
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FAIR LENDING

Learn more about our loans

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At Time Financing Service, we believe in responsible and fair lending practices. Transparency is important for our clients to understand the terms and conditions that they are agreeing to. Each loan's individual terms will vary based on the borrower's credit score, income and ability to repay the loan. Some will have a lower interest rate, while others may have a higher rate. Below you will find some information that will help you understand some of the minimum and maximum terms and rates and help you better understand the actual cost of the loan when paid within the terms. 

 

  • The minimum repayment period is 18 months, with a maximum period of 54 months. 
  • The maximum annual percentage rate (APR), which includes interest rate plus fees and other annual costs, or other similar rates calculated consistently with local lending laws, is up to 36%.
  • A representative example of the total cost of the loan, including all applicable fees is as follows: $1,500 loan, $25 loan fee, and monthly payments of $97.82 for 20 months. This would make the total amount paid to Time Financing Service $1,981.40. This means the total cost of the loan would be $481.40. Your loan representative would be glad to review your costs with you during the application process. 

 

Please contact your local Time Financing Service office if you have any additional questions or would like to apply for a loan, today. 

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