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Secured Loans: TYPICAL 13.55 % APR VARIABLE Our rates vary from 7.9% APR Variable to 19.9% APR Variable. The highest rate is for customers with severe credit problems. Unsecured Loans: TYPICAL 19.9 % APR VARIABLE Our rates vary from 7.4% APR Variable to 41% APR Variable. The highest rate is for customers with severe credit problems.