Interest rates and total cost of borrowing are dependent on a borrower’s credit history. SkyCap reserves the right to approve or decline an applicant based on SkyCap’s internal underwriting guidelines and procedures. Not all applicants are approved. APR (annual percentage rate) ranges from 8.99% to 35% and loan repayments from 3-120 months. For example, $1000 borrowed for 12 months at 29.99% have monthly payments of $97.48 and a total cost of borrowing of $169.79. For Lending products that SkyCap does not provide directly, we may refer this to an affiliate or lending partner who will perform their own underwriting and adjudication and will appropriately disclose their cost of borrowing and any applicable fees.