Time Financing Service® is committed to continue providing for our customers during these difficult and uncertain times. At this time, our branches remain open and will operate under normal business hours, so that we can continue to help the communities we serve. Any changes made due to the pandemic will be announced here.
Read more about our COVID-19 policy here →

Fair Lending

Learn more about our loans

At Time Financing Service ®, we believe in responsible and fair lending practices. Transparency is important to us and it is important to us for our clients to understand the terms and conditions of their loan.

APR is the Annual Percentage Rate. The maximum APR, which includes interest rate plus fees and other annual costs is up to 36%. APR can vary based on several factors including, but not limited to, creditworthiness and the specific terms of the loan. The period of repayment may vary depending on the specific terms of the loan. Your loan representative will review your specific costs and the APR of your loan with you during the application process. Your loan representative will also review the repayment period during the application process.

  • The minimum repayment period is 12 months, with a maximum period of 60 months. 
  • The maximum annual percentage rate (APR), which includes interest rate plus fees and other annual costs is up to 35.99%.


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