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on 8/9/17Hi Angela, Fast Unsecured offers our clients a 0% APR for the first year. After the 1st year the APR varies as we have 27 lenders that we work with in order to get you funded. When our specialists suggest a loan for you they will happily review all of this with you and find the best terms and rates possible in order to meet your needs. If there are any additional questions that we can answer, our specialists can be reached at 203-518-8071. We look forward to assist you.