We do not charge prepayment penalties AFTER 90 DAYS.  You pay interest only on the principal amount you borrowed, for the length of time you borrowed it.

We can now offer terms of 10 years (120 months) for any loan over $8,000 thus making your monthly payment even lower at the same low-interest rate.

For loans of less than $8,000 the maximum term is 7 years (84 months) still keeping your payment low!