All values are estimates and may vary based on the applicant’s credit profile, with final terms determined upon credit approval. Please note, this is a soft credit pull and completing an application will not negatively impact your credit. There are no prepayment penalties on any of the payment options. To qualify for the 0% Annual Percentage Rate (APR) offer promotional offer, the loan must be paid in full within the promotional period. HFD’s Bank Loan Program is issued by Hatch, a California-chartered industrial bank.