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Some conditions apply subject to credit approval by PayBright Financial Services Inc. APR~ Processing Fee (PF) of $5.00 per month for the length of the agreement (i.e. 12 months) and shown as Annual Percentage Rate (APR). E.g.: (A) $3,000.00 at 0% annual interest over 12 months has a PF of $59.95 (3.66% APR) + interest charges of $0.00. Therefore total cost of borrowing and principal is $3,059.95 OR (B) $3,000.00 at 9.95% annual interest over 12 months has a PF of $59.95 + interest charges of $167.41 (13.70% APR). Therefore total cost of borrowing and principal is $3,227.36.