EL
 Example Lending
Rate locked · Exp. July 15, 2026

PERSONAL LOAN REFINANCE OFFER

We Found You a Better Rate.

Hi Marcus — based on your loan profile, here's exactly how the numbers compare.

YOUR LOAN · BEFORE & AFTER

The Numbers Don't Lie

Current Loan

✓ With Example Lending

Interest Rate

24.9%

APR

10.4%

APR

Monthly Payment

$814

per month

$597

per month

Remaining Term

52

months

52

months

Total Interest Paid

$17,328

total cost

$5,944

total cost

YOUR ESTIMATED TOTAL SAVINGS

$11,384

over the life of your loan

Monthly Savings

$217

Rate Reduction

14.5%

THE OFFER DETAILS

Why This Is the Right Move

💰

Fixed Rate · No Surprises

Your new rate is locked for the full term — it won't adjust regardless of market conditions.

🚫

No Origination Fee & No Prepayment Penalty

Zero hidden costs. If you want to pay off early, go right ahead — we won't charge you for it.

⚡

Funds in as Little as 24 Hours

Once approved, your existing loan is paid off and your new account is funded — often the next business day.

THE PROCESS

3 Steps to a Lower Payment

1

Accept your offer online — the application takes under 5 minutes. No new credit inquiry required.

2

We pay off your existing lender directly — your old loan closes and you start fresh with your new lower rate.

✓

Your first new payment arrives in 30 days — smaller, simpler, and on a fixed schedule you control.

Rate expiry notice: This offer is valid until July 15, 2026. After that date, your rate may change based on market conditions.

READY TO SAVE?

Lock in Your Savings Today

Have questions before you accept? I'm happy to walk through every line of your offer at your own pace. No pressure, no obligation.

📞

Call or Text

(800) 555-0200
✉️

Email

loans@examplelending.com
Accept My Offer & Save $11,384  →
✓ No origination fee  ·  ✓ No prepayment penalty  ·  ✓ Rate locked until July 15, 2026
DK

Daniel Kim

Senior Loan Advisor · Example Lending

I put this offer together specifically for your profile. The savings are real and the process is straightforward — I'd love to walk you through it. Don't let this rate expire.

Best,

Daniel Kim
dkim@examplelending.com
(800) 555-0200

LICENSED · TRANSPARENT · NO HIDDEN FEES

✓ A+ BBB Rating ✓ No origination fee ✓ Licensed in 48 states
EL
 Example Lending

Example Lending is a consumer lending company offering personal loan refinancing, debt consolidation, and structured repayment solutions. Licensed in 48 U.S. states. NMLS #XXXXXXX.

800 Lending Way, Suite 300  ·  Chicago, IL 60601

(800) 555-0200  ·  loans@examplelending.com

examplelending.com

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This offer is for informational purposes only. Actual rates and terms are subject to credit approval and may vary based on your full application. The stated savings are estimates based on information provided and are not guaranteed. This is not a commitment to lend. Example Lending is not a bank. © 2026 Example Lending. All rights reserved. NMLS #XXXXXXX.