Financing Options

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Natural Gardens is proud to offer financing options through Promise Financial

Promise Financial is a consumer lending platform dedicated to helping you during life’s most meaningful moments. We combine technology, analytics and unique products to make life event financing convenient and accessible, allowing you to pay over time.

Promise Financial was founded in 2014 and is based in Hoboken, NJ. For additional information regarding financing through Promise Financial, please refer to our Rates & Fees below and Loan Eligibility Requirements. We have also compiled answers to the most common questions, which can be found in our FAQ.

Rates and Fees

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Loan rates and fees are summarized in the table below and are based on credit and FICO score.

	Interest Rate	Origination Fee	APR
Minimum	6.31%	1.00%	6.99%
Maximum	26.66%	5.00%	29.99%

 

The interest rate is applied to the outstanding balance of your loan. The origination fee is a one-time, non-refundable fee deducted from the loan proceeds. The APR is the “annual percentage rate” and represents the effective annual cost of the loan, including both the interest rate and the origination fee.

There are also fees associated with specific circumstances:

* Late Fee: If you pay after the 15-day grace period a fee of the greater of $15 and 5% of the unpaid amount will apply
* Non-Sufficient Funds Fee: If a payment is returned a $15 fee will apply

 

Loan Eligibility Requirements

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Our basic requirements are listed below. If you meet these standards we encourage you to Check Your Rate.

* U.S. citizen or permanent resident
* Resident of a state currently served by Promise Financial
* At least 18 years old (19 in AL and 19 in NE if ward of state)
* Valid and verifiable name, date of birth, social security number, physical address and email address
* Bank account at a U.S. financial institution
* No prior delinquencies on a loan through Promise Financial
* No new loans through Promise Financial in the past 18 months (either as a borrower or cosigner)

 

In addition, borrowers must meet our minimum credit standards, including a FICO® Score of 620+.

For more information visit Promise Financial

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