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Our repayment terms range from 4 to 18 months. The interest rate on personal loans ranges from 9.9% per month (210.4% per year) to 15.9% per month (487.5% per year), and the total effective cost (CET) starts at 10.5% per month (228% per year), varying according to the amount, term, TAC, and IOF. The registration fee (TAC) ranges from R$100 to R$200. When requesting a quote, the interest rate, fee, IOF, and total effective cost (CET) will be displayed. Example: a loan of R$1,250.00 in 12 months with an interest rate of 11.9% per month (285.4% per year) will have installments of approximately R$220 and a CET of 13.6% per month (360.4% per year).