Rates & Fees Disclosure

Effective Date: February 10, 2026

1. General Information

This Rates & Fees Disclosure is provided by MY P Finance LLC (“we,” “us,” or “our”) to explain, in a clear and transparent manner, how rates, fees, and repayment terms may apply to loan or cash-advance offers presented through the Borrow Money Instantly: MyFima application (the “App”).

MY P Finance LLC is not a lender and does not make credit decisions. The App functions solely as a loan-matching platform that connects users with independent third-party lenders. All loan terms, rates, fees, and contractual obligations are determined exclusively by the participating lenders.

2. Overview Cards (Illustrative Summary)

Loan offers displayed in the App may generally include the following elements, presented in summary “cards” for user convenience:

$100 – $5,000

Loan Amounts

3 – 24 months

Repayment Terms

5.99% – 35.99%

APR Range

These overview cards are provided for informational purposes only and do not constitute an offer or guarantee of credit. Final terms are disclosed in full by the lender prior to acceptance.

3. Example Loan Scenarios

The table below provides illustrative examples only and does not represent guaranteed offers:

Loan Amount	Example Term	Example APR	Example Monthly Payment	Estimated Total Repayment
$500	6 months	24%	~$89	~$534
$2,000	12 months	29%	~$195	~$2,340
$5,000	24 months	35%	~$297	~$7,128

Actual loan terms may vary significantly based on lender underwriting standards, your credit profile, and state law.

4. Fees and Charges

Depending on the lender and loan product, fees may include, but are not limited to:

Origination fees
Late payment fees
Returned or failed payment fees
Expedited or optional processing fees

All applicable fees are disclosed by the lender before you accept a loan. MY P Finance LLC does not impose hidden fees.

5. APR Guidance and Consumer Tips

APR represents the annual cost of borrowing and may include interest and certain fees
Comparing APRs across offers helps identify the true cost of a loan
Longer repayment terms may reduce monthly payments but increase total cost
Always review the full lender agreement before accepting an offer