How does your 0% financing bid help my loan?
When we bid 5% of your loan value at 0% on your loan this helps drive down the overall rate of your loan. Here is a example:
Loan 1 is a request for $1000 for a C borrower at a lenders APR of 17% there is no group fee for this loan making it a borrowers APR of 17%. There are 5 standing orders all for $250 they are:
SO #1 $250 for C loans at 15%
SO #2 $250 for C loans at 15.35%
SO #3 $250 for C loans at 14%
SO #4 $250 for C loans at 14.5%
SO #5 $250 for C loans at 15%
The standing orders fill the loan using SO #1, #3, #4, #5. The new lenders APR is 15.35% as SO #2 is outbid. The borrowers APR is also 15.35%

Loan 2 is a request for $1000 for a C borrower at a lenders APR of 16% there is a group fee of 1% for this loan making the borrowers APR 17%. There are 5 standing orders all for $250 they are:
SO #1 $250 for C loans at 15%
SO #2 $250 for C loans at 15.35%
SO #3 $250 for C loans at 14%
SO #4 $250 for C loans at 14.5%
SO #5 $250 for C loans at 15%
The standing orders fill the loan using SO #1, #3, #4, #5. The new lenders APR is 15.35% as SO #2 is outbid, and the borrowers APR is 16.35%

How does MacLenders save more money over Apple Credit?
Take a look at a breakdown of interest rates for credit grades and how they differ between MacLenders and Apple Credit.

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