APR’s will not exceed 36.00%. APR’s will vary based on state laws and regulations regarding allowable interest rates, fees, and lengths of loan terms. Your credit history at the time of application, income, debt obligations, collateral, and to the extent applicable, prior loan experience with Torro Funding LLC are considered in determining eligibility and contract terms. There is no down payment and there is never a prepayment penalty. Closing your loan is contingent upon your agreement to all of the terms and conditions of the loan agreement.

For example, using a 42 month installment contract, a loan of $4,500 with an interest rate of 29.00% and an APR of 33.10% (inclusive of allowable fees), you would make 42 monthly payments of $172.

TX Only: For example, with an amount financed of $4,500.00, at an APR of 30.26%, and a finance charge of $2848.00 you would make 42 monthly payments of $174.96, for a total of payments of $7348.00. The amount financed may not be the net proceeds paid to you if charges other than interest are included in the loan.

*All loans are subject to credit approval and normal underwriting standards. Minimum and maximum loan amounts, rates, fees, terms and collateral requirements are subject to specific guidelines and may change without notice. All loans are made under Torro Funding LLC of Utah or it's affiliate lenders. Available cash amounts may vary and collateral requirements apply. In California loans are made or arranged pursuant to a California Financer Lenders Law license.