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$1,000 - $5,000 Installment Loans in Kentucky

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Get the most competitive Installment Loans from direct lenders in Kentucky, find locations near you if you look for in-store Loans, or get the funds the next business day after filling out our free compacom-form. Installment Loans are available in the amounts up to $5,000 for the term of 3 - 36 months. You can expect instant decision even if you have bad credit, or no credit at all. You don't need any guarantor or collateral to get approved. So you don't risk any property. Start now to get the money you need.

Compare Installment Loans in Kentucky from the Best Direct Lenders Online or find a Loan Store near your location.
COMPACOM – Compare Companies Online

Cash Advance and other Money Offers in Kentucky:

Loans for ANY  NEEDS
APR from 4.99%

Compare Installment Loans from Direct Lenders and Other Financial Services Online

Find the best Kentucky offers choosing among a variety of legit reliable online and in-store lending companies.

TOP RATED COMPANIES

Rates last updated December 16th, 2019
4.2990978487162

LEND YOU

$5,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6.63%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.4031746031746

Check Into Cash

$3,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varied by state
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.418505942275

Greenlight Cash

$5000
MAX Loan Amount
Varies by state
MIN APR
Unsecured
Collateral or Guarantor
Available for Bad Credit

Credible

$5000
MAX Loan Amount
Varies by state
MIN APR
Unsecured
Collateral or Guarantor
Available for Bad Credit

Smaller tax return than you expected? Apply online for quick cash. Apply

Are Installment Loans Legal in Kentucky?

Loan Rates and Fees, Laws and Regulations in Kentucky.

We've done a thorough research of the main lending details and presented them in the table to make it more clear and convenient for you:

Law status legal
MIN Loan Amount $1,000
MAX Loan Amount $5,000
MIN. Loan Term 90 days
MAX. Loan Term 36 month
MAX APR 225%
Collateral or guarantor None, unsecured
Credit score requirements Available for Bad Credit
Apply online
Law status legal
MIN Loan Amount None
MAX Loan Amount $500
MIN. Loan Term 14 days
MAX. Loan Term 60 days
MAX APR 459%
Additional fees 1$ database fee
NSF fee Only one for every defaulted loan
Collateral or guarantor None, unsecured
Number of simultaneous loans 2
Cooling off period None
Rollover Not allowed
Extension, repayment plan Not allowed
Default penalties Criminal actions are prohibited
Credit score requirements Available for Bad Credit
Find out more Apply online
Law status legal
MIN Loan Amount $1,000
MAX Loan Amount $35,000
MIN. Loan Term 90 days
MAX. Loan Term 60 month
MAX APR 450%
Collateral or guarantor None, unsecured
Credit score requirements Available for Bad Credit
Find out more Apply online

Quick and Easy Installment Loans Online

Compare top online companies offering fast cash advance with no faxing, no paperwork, possibly no hard credit check and no teletrack. Filling out a free application form guarantees you instant decision and high approval chances even if you have a bad credit score.

ONLINE COMPANIES

Rates last updated December 16th, 2019
4.2805755395683

Payday Loans USA .online

$5,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6.63%
Min. APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.0821256038647

Your Faster Payday

$5,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6.63%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.2380952380952

Fast Holiday Loans

$5,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6.63%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Personal Loan Calculator

?
Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
?
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the time period by the amount of interest.
?
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
Every Payment (Installment) =

per month for year(s) at % APR

* It’s the amount of money you’ll need to pay every month (or other agreed period) according to your repayment plan.
Total Paid After Payments =
Total Interest Paid* =
* The total amount of interest over all the period of the loan.
This calculation is just a representative example and is for illustration purpose only. The rate is also just a representation of what a loan may cost and may differ from the rate you’ll be offered by the lender. Their rate will be based on their vision of your personal financial situation. All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Installment Loans under certain economic conditions in Kentucky

Not everybody might know that the nickname of Kentucky is The Bluegrass State. Its population counts up to 4 472 265 people. Not all of them are aware that their state is famous for : "Being home of abe lincoln and having the highest graduation rate for eco-nomically disadvantaged students". But 1 168 603 KY residents definitely know about the popularity of easy, convenient and legal Installment Loans as they borrow them at least once a year. Kentucky produces 1.06% of the US GDP (Gross Domestic Product), which is $196 681 mln and puts the state on the 28th place among all the others. A median household income here constitutes $45 215, or $23 684 per capita to compare with the price parity of 86.8 out of 100. These figures prove once again how hard it may be sometimes to make both ends meet with an average weekly wages of $455. Not surprisingly, the poverty rate reaches 19.00%, or 812 thousand people, i.e. the 47th position all over the country. No wonder 57% state’s residents are in need of a quick and easy money, which can be applied for in-store or online in the type of Payday, Installment or Personal loan.

Installment loans from $1,000 to $5,000 are absolutely legal in Kentucky. More than 67% of employed adults of 4 state’s population apply for this quick, easy and convenient cash advance at least once a year. By the way, it’s about 1 people. Some of them still look for nearby loan stores, others save time by borrowing online. Our modern  reliable 24/7 COMPACOM service offers borrowers a unique chance to compare both in-store and online lending companies which are licensed, legally operating in the state to let you choose the best one with the most suitable rates, terms and fees. Or we can send your request directly to the lender and the money will be deposited into your account in less than 24 hours. Our COMPACOM form is free, it doesn’t oblige you to get the loan and doesn’t affect your credit history as hard credit check is rarely done. Even bad FICO credit score isn’t a problem to get an Installment loan, as well as higher amount Personal loan ($5,000 - $35,000). Both are to be paid off in equal parts within 6 - 60 months. Or apply for a short-term $100 - $1000 Payday loan. No matter what amount you need and what cash advance you choose, you’ll stay satisfied with our A - level service: Apply, Approve, Accept.

Requirements to qualify for an installment loan in Kentucky

What do I need to qualify for Installment cash advance in Kentucky?

Kentucky independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • Kentucky (US) residence
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • If applying Online, you must provide a valid Social Security Number
  • If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

What is an Installment Loan?

All you need to know about Installment Loans in Kentucky.

Installment Loans are given in the amounts ranging from $1000 to $5000 for the period of 6-60 months.They are paid back in fixed equal installments, usually monthly. Installmet Loans are usually unsecured, i.e. don’t require any guarantor or collateral and are available even for borrowers with bad credit which makes them even easier and faster to get.

You can apply for an Installment loan in Kentucky storefronts, online and even in a few banks. It’s very simple to apply for it:

  1. just fill out a form with the state and e-mail address,
  2. if you are over 18, have a permanent job, income and a valid bank account, you have 98% chance to get instant approval from a direct lender;
  3. receive the money in your bank account in less than 24 hours.

Installment loans suit those Kentucky borrowers who need higher amount than Payday Loans offer and who prefer longer repayment period. Besides, the rates are lower than on short-term cash advance. You can find Installment loans at as low as 5,99% interest.

You can calculate the cost of your loan free using our Personal Installment Loan Calculator. Try applying for the necessary funds using our free and simple online form and make sure that it’s really as easy as ABC: Affordable, Beneficial, Convenient!

How do Installment Loans Work in Kentucky comparing to Payday Loans and Personal Loans?

Installment loans in Kentucky are $1,000 - $5,000 credit borrowed for 6 – 36 months and paid back in equal repayments, usually unsecured and available for those with bad credit score.

In case you need more money consider Personal Loans. Kentucky Personal loans are $5,000 - $35,000 credit granted for personal use, usually unsecured, backed up only by your ability to pay it back, for 6 – 60 months and repaid in equal installments.

Those residents of Kentucky in need of just a few hundred bucks may find short-term cash advance useful. Payday loans are small dollar ($100 - $1,000) short term (14-30 days, in some cases up to 3 month) cash advance which is characterized by its easiness, speed, availability, even for those with bad credit, or without a credit history.

Payday lending in Kentucky is regulated by the state law. Some states restrict or prohibit short-term loans for high costs.

The process of getting an Installment Loan is quick and easy both online and in-store in Kentucky:

  1. Fill out a simple application form stating the amount you need, your name and e-mail address;
  2. Get instant decision and approval from one of the best direct lenders;
  3. Read the agreement and if you are satisfied with its terms and conditions sign it;
  4. Get the necessary funds in your account within 1-2 days if you apply online or same day if you go in a store.

Installment Loans vs Payday Loans vs Personal loans in Kentucky.

The key differences between Payday, Installment and Personal loans lie in their amount, repayment terms and rates. It can be seen more vividly in the form of the table:


 

Installment loans

Personal loans

Payday loans

Legal status

legal

legal

Legal in 27 states, with some restrictions in 9 states

Amounts

$1000 - $5000

$5000 - $35,000

$100 - $1000

Terms

6-60 months

6-60 months

14-30 days

Repayment

In fixed arranged repayments

In fixed arranged repayments

With a next paycheck

Rates and Fees

5.99% to 35.89% APR , 5% origination fee

5.99% to 35.89% APR , 5% origination fee

300%-750% APR, 10-15% fee for every 100$ borrowed

Collateral or guarantor

Not needed

Not needed in most cases

Not needed

As you can see, Installment Loans are different from personal only by the amount, having the same terms and other conditions. The difference with Payday cash advance is much bigger. It concerns both sums and terms. Payday APR is considerably higher while the repayment period - shorter. So it’s up to you to decide how much you need and when you can pay it off and we’ll be glad to help you get the money.

Benefits of Installment Loans comparing to Payday Loans and Personal Loans:

Installment loans

  • You can’t but agree that when one needs money, he wants it fast and safe. And we understand it better than anyone else. So we do our best to offer convenient reliable service for the borrowers. Applying for an Installment Loan with us you get:
  • The unique opportunity to compare more than 300 lending companies both online and in-store.
  • Fast and easy application process. It takes just 60 seconds to fill out an application form, which is instantly processed.
  • Easy approval, even for the borrowers with bad or poor credit score. 80% of our clients get their money the next business day without doing any paperwork, faxing, doing credit reports, etc.
  • Profitable interest rates and other conditions which are legally followed by all our partners. They are all fixed in the written agreement. You get its copy. Study it carefully before signing a contract.
  • Convenience of solving your financial problems with one click sitting on a comfortable chair at home. Our 100% online service makes it possible to avoid looking for cash stores, driving, etc.
  • Safety and confidence. You can be sure that all your personal information is protected. All our direct partners are verified as reliable and efficient.
  • No influence on your credit score. There is usually no hard check of your credit history, no credit report requirement, so taking an Installment Loan won’t harm your score.
  • Fully committed service. We work 24/7 and offer loans in all the states.

Personal loans

  • Rather high amount of money
  • Available without guarantor or collateral (in contrast to mortgages, auto loans, etc.)
  • Easier to pay back having a precise scheduled plan.

As we can deduce, there are credit types, with their advantages and disadvantages, to suit needs and wishes of any American. The only thing you must do – get information and compare the offers. That’s exactly what our service helps you with. COMPACOM – compare all and choose the best one!

Payday loans

  • Easy, quick way to get extra cash
  • Short repayment term, possibility to pay it back with the next paycheck
  • Suitable and convenient for emergency expenses

Installment Loans for Bad Credit in Kentucky

Bad credit loan is the type of credit given to borrowers with a FICO score below 640. You usually need at least 600 to qualify for such an Installment loan in Kentucky. To get money you may turn to credit unions, family, friends, peer-to-peer lending platforms or use online lending service. When choosing an online lender for a bad credit loan, there are important features to take into account:

  • Type of lending company
  • Credit history and general qualifications
  • Co-signer option
  • Additional eligibility criteria
  • Employment requirements
  • Interest rates and fees
  • Loan terms
  • Additional fees and penalties
  • Repayment options

Installment Loans belong to the type of loans available for bad credit applicants. Even if your FICO credit score is below 600 you can apply for urgent cash online and expect being approved. Other available cash advance in Kentucky are Payday Loans and Personal Loans. They differ by amounts, terms and rates and this variety gives you a unique chance to get the necessary funds that suit your particular situation.

Applying for a bad credit Installment Loan in Kentucky you get up to $5000 cash deposited into your account within 24 hours. Just fill out a simple application form online and get instant approval if you meet the lenders’ basic requirements which typically are:

  • Minimum FICO score of at least 600;
  • Clean credit history; no judgements, liens and bankruptcies on your credit report; and a history of making on-time payments;
  • Stable employment;
  • Proof of identification with a passport, driver’s license or voter’s ID. You’ll also need to provide proof of residence such as a utility bill.

Or consider Kentucky Payday Loans and personal loans which are also highly available for borrowers with a bad credit.

Keep in mind that your score can influence the amount you want to take and the interest rate the lender will offer you. The maximum sum for an installment cash advance is $5000, and for a personal loan - $35000. In any case you need no collateral, no guarantor, no paperwork. No matter whether your credit score is 400, 550, or 600, get the chance to learn more about all the opportunities you have and compare the best lending services you are offered on COMPACOM.com.

No Credit Check, No Telecheck Installment Loans in Kentucky

Any Kentucky borrower, especially the one with bad credit, wants to avoid Credit Check. A no credit check Installment loan is a type of loan in which a lender evaluates your creditworthiness without using a credit report, i.e. without doing an inquiry to any of the three major credit bureaus: Equifax, Experian and TransUnion. No formal review of your credit report allows to avoid affecting the credit history and score.

There do exist direct lenders in Kentucky ready to provide you with an Installment Loan without doing a hard inquiry. They compensate their risk by higher APR or other fees. If you fill out our compacom form online we’ll send it to more than 300 direct lenders and help you find the one with NO credit check option.

But usually credit check is necessary and useful both for the company and for the borrower. Thus the lender can decide whether to approve you or not and you can ensure that you are able to repay the loan.

Long Term Installment Loans in Kentucky

Usually Installment Loans in Kentucky are repaid in equal installments (monthly, biweekly, etc.) within 3 – 60 months. They are called long-term as differentiated from short-term Payday Loans. Depending on your income and the necessary amount you may prefer long-term Installment Loans which seem easier due to a flexible and convenient repayment plan. In most cases, the first payments on your loan will be covering fees and the interests. The next installments will consist of the principal amount, fees and interests. Whenever you can manage to make additional payments, it can be a great way of lowering your interest rates over time.

Other advantages of Kentucky long-term Installment Loans are:

  • High loan amount
  • Low rates
  • Flexible small installments
  • Bad credit is ok
  • Possibility to avoid hard credit check
  • A good chance to improve your credit score by repaying the loan on time.

So, long-term Installment Loans will be a good choice if you can clearly analyze your long-term financial capacity and determine if you can handle the payments

Small $1000 Monthly Installment Loans in Kentucky

It often happens that you need just $1000 to handle your finances but even this small amount makes a real problem to you. You have no friends or relatives ready to lend you this sum. Kentucky banks or credit unions don’t approve you for certain reasons such as bad credit or low income or no permanent employment, etc. In this case small Installment Loans are a real help and a very quick and convenient way to find the necessary funds.

Their amounts vary from $1000 to $5000. And many Kentucky direct lenders guarantee instant approval for $1000 Installment Loans even to borrowers with bad credit. In comparison with small-dollar Payday Loans that must be paid off within 30 days with your next paycheck you get longer and more flexible repayment plan over several months or years of equal installments.

To get the urgent 1000 dollars in Kentucky you need:

  • Make sure you’re eligible: have Kentucky residence, a valid bank account and e-mail address.
  • Compare lenders, their rates and terms, choose the most suitable one.
  • Apply online filling out a free application form or go in a store.
  • Read carefully the offer before signing the agreement.
  • Get your $1,000 loan deposited into your account as soon as one business day.

Small 1000 dollar Installment Loans are the best solution for those who have an emergency but no opportunity to spend a lump sum of money on the loan repayment. They are ready to plan the budget and pay a certain installment monthly.

Guaranteed Installment Loans in Kentucky

Looking for same day cash advance in Kentucky? Installment Loans are here to support you. As a reliable source of emergency cash, they seem to be your ultimate choice for fast, fax less and affordable loans from online direct lender. Installment Loans are regarded as the best funding alternative to payday loans available for bad credit and with no credit checks.

An installment loan is a short term cash advance up to $5000 with monthly payments and longer repayment period up to several years.

The fast approved cash comes with no restriction and hence can be used for any personal purpose. You can use it to pay for utility bills, home repairs, funding education, medical bills, car repairs, etc. Applying is easy and quick especially if you do it online. The funds can be deposited into your bank account the next business day if you use online service. If you borrow in a store near you in Kentucky it’s possible to put the cash into your pocket the same day you apply.

Many Kentucky lenders promise you a guaranteed instant approval for an Installment Loan. But be careful, take into account all the risks concerning short-term cash advance. You should understand that not all the borrowers can be approved. Though Installment Loans are really highly available, even for bad credit and with NO credit check sometimes, lenders can’t guarantee 100% approval. If you have no job, very low income, or many debts in the past, your chances to get the money are very low.

The truth is you do get an instant decision from a lender. Especially if you fill out our online application form you save plenty of time and energy and make lending procedure much faster and easier. It takes only several minutes to match you with the necessary lender and get his reply. That’s why Installment Loans are rightly considered guaranteed instant cash advance.

Unsecured Bad Credit Installment Loans in Kentucky

All loans sre devided into secured and unsecured depending on whether you back it up with some guarantor or collateral.

Most Kentucky Installment Loans are unsecured. The approval for a loan is based solely on your creditworthiness. Online Installment Loans are lent without any collateral, which may be required in case of a mortgage or a car loan to pledge a security for loan repayment. Direct lenders don’t ask you for a guarantor either. You don’t have to feel embarrassed asking friends or relatives to sign up for you. Still you need to be careful and read the agreement carefully before signing as some companies may have different conditions.

Having a bad credit FICO score will not prevent you from getting approved for an unsecured Installment Loan in Kentucky. The process is the same and you have high approval chances but be ready to be charged higher interest rates as lenders are likely to offset the risk they take.

Installment Loans from Direct Lenders in Kentucky

A direct lender is any Kentucky financial institution that can offer you any type of loan directly managing all the lending process themselves without middlemen. Borrowing from a direct lender has its own advantages and disadvantages:

Pros
  • Faster loan processing and approval;
  • It’s easier to solve any issues that might come up;
  • Your personal information won’t be shared or passed to third parties.
Cons
  • If you need to compare several companies, you have to go to each site and fill out an application which takes a lot of time and may turn out not very effective;
  • Applying with a broker or matching service gives you more flexibility and freedom to choose the most suitable loan;
  • With a direct lender it’s harder to get approval for a loan if you have bad credit while a matching service will be able to find you the necessary funds even with the credit score below 600.

When you apply for an Installment Loan from a direct lender in Kentucky you:

  1. Go to the lender’s website and read all the information on the necessary loan;
  2. Check the eligibility criteria;
  3. If you suit the criteria and are satisfied with the terms and fees you fill out an application form;
  4. You wait until the lender approves you;
  5. If you are approved, you get the money deposited into your account within 24 hours.

It’s an ideal scenario of borrowing money which happens quite rarely. Usually you need to spend hours surfing the net and choosing a suitable offer. We can make this process quicker and simpler.

We provide you with a network of Kentucky direct lenders with detailed description of each of them. You just fill out our free compacom form and get immediately matched with the best lenders. It doesn’t make your loan more expensive. Just on the contrary, you can find the cheapest rates and fees offered by direct lenders. Besides, we ensure that all of our partners are licensed companies who work legally and keep your personal information and financial data secure.

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Loans for ANY  NEEDS
APR from 4.99%

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APR from 4.99%

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