This depends on the loan program that best suites your financial needs. We offer term loans with rates as low as 4.99%-9.99% APR with payment terms that go out 1-5 years and lines of credit for as low 1-2% Monthly. Another option if you have multiple Merchant Cash Advances (aka daily, weekly payment loans) and you would like to turn them into (1) monthly payment our MCA Refinance Program is the way to go! Rates are up to 24.99% depending each States Usury laws. There are no application fees and we do only soft credit pulls which means your credit score will not be affected. So what do you have to lose? Apply today!