All loans are unsecured personal loans originated by Ally Bank, Member FDIC. Subject to credit review and approval. Interest Promotion products are installment loan products with an early payoff benefit. If the borrower pays off the loan during the promo period, we’ll apply any interest paid during the promo period to the principal and we’ll refund anything extra. The standard Annual Percentage Rate (APR) for Interest Promotion products is 26.99%. To qualify for the early payoff benefit, a borrower needs to make payments on time and pay above their minimum monthly payment amount during the promo period. Installment loan product APR ranges from 7.99% to 26.99%. APR is determined based on the applicant’s credit score, loan amount, loan term, and credit usage and history at the time of application.