Draft — not yet approved
This page is a structured draft. It has not been reviewed or approved by legal counsel and must not be relied on as a final policy. Items marked “To be confirmed” must be supplied by Enjoy the Credit and its lending partner.
After disbursement, you have a cooling-off (look-up) period of 3 days (illustrative — the period in your KFS applies; it is never less than one day).
What you pay to exit
- The principal, plus
- The proportionate APR for the days you held the money
- No prepayment penalty. A one-time processing fee may be retained only if your KFS says so.
How to request it
Open your loan in the dashboard and choose “Exit during cooling-off”. Your request is recorded with a timestamp and passed to the lender, who confirms the exact payoff amount.