Our typical interest rate is 12.8% APR variable, however two out of three clients pay this rate or lower. One in three clients pay a rate of only 9.9% APR variable or lower and one in ten clients pay a rate of 8.4% APR or less. And don't worry if you have credit problems. You will still receive a very competitive rate. The maximum rate is 19.9% APR and most clients pay less than this