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Our maximum interest rate is 390%. Annual Percentage Rate (or APR) expresses the cost of the loan as a percentage of the amount borrowed converted to an annual rate. About Student Loans for Bad Credit If applying before 5pm Mon to Friday we are going to downpayment to your account the same day. Use after 5pm and we will downpayment the cash about the next morning. If you'd like cash inside your account on a Mon after that basically utilize over the weekend and we will maintain your rest.