*APR = Annual Percentage Rate. During promotion, interest will continue to accumulate on your loan during the 90 days of no payment. Your first loan payment will begin 90 days from your loan open date and be applied toward the accrued interest before reducing your loan principal. Delayed payment is optional when opening a personal loan. An example monthly payment for a $20,000 personal loan at 7.99% for 60 months would be $412.09 with the 90 day no pay promo period and $406.73 without it. All loans are subject to credit approval. Rates, terms and conditions vary based on creditworthiness and amount financed. The 90 day no pay promo offer does not apply to Proponent Personal Loan refinances within 12 months of original loan open date. Other restrictions may apply. Rate and terms subject to change. Length of promotion is at Proponent's discretion..