Rate Disclosure and Financing Options Disclosure

Rate Disclosure

Annual percentage rates range from 7.99% to 14.99% APR.
Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 24 month loans may have lower than rates for 60 month loans). Only applicants with excellent credit qualify for our lowest rates. The available loan term may vary based on your creditworthiness (for example, 60-month loan terms will not be available to all applicants). Your maximum loan amount may vary depending on many factors such as creditworthiness, income, income-to-debt ratio (DTI ratio). Your income must support your ability to repay your loan. Your monthly payment amount will vary based on your loan amount, APR and loan term. For example, a $402 monthly payment is based on a $15,000 loan with a 12.99% APR and 48 monthly payments

Financing Options Disclosure

Our Community Services personnel allow you to customize your quote based on your preferred loan amount and monthly payment. Your actual quote will vary due to a number of factors including our initial evaluation of your creditworthiness. All financings are subject to credit approval. For example, a $368.6 monthly payment is based on a $14,000 loan with an 11.99% APR and 48 monthly payments.

Terms and Conditions Apply. emBorrow provides installment financing only to residents of states where the company has a lending license. In order to apply for financing, you must submit your application online and have, among other things, verifiable income. You may also need to be a patient of a fertility clinic. The actual amount and terms of financing that a customer qualifies for may vary based on credit determination and state law. In some instances, we might not manage to check your application information completely and may request some additional documentation. Please thoroughly review our Consents, Disclosures, Rates, and Terms & Conditions for further information. Complete disclosures of APR, details and payment terms are included in the Financing Agreement.

Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday.

emBorrow reserves the right to modify or discontinue products and benefits at any time without notice.
Important disclosures and consumer notice: Financing from emBorrow is designed to help you meet your fertility related borrowing needs. This service is not intended to provide a solution for all credit or other financial needs. We will never charge you any “hidden fees” that are not fully disclosed in the Financing Agreement. Since we may report your payment history to one or more credit bureaus, late or non-payment of your account may negatively impact your credit rating. If you don’t make a payment in accordance with your financing terms, we will attempt to contact you via one or more authorized methods. Our company’s methods are in accordance with the guidelines of the Federal Debt Collections Practices Act (FDCPA). Be sure you thoroughly understand the terms and conditions of your financing before signing your agreement. We are here to serve our customers and their financial needs if possible.

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