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© Prysm Financial Technology Inc. All rights reserved.
Prism is a platform, not a bank.

  1. 1.

    You will continue to own the shares that you pledge as collateral throughout the life of your loan. However, you will be required to maintain a cetain loan-to-value ratio or “LTV” at all times. If the value of your pledged shares falls, you may be required to pledge more collateral or pay down a portion of your loan in order maintain the required LTV. If you are unable to maintain the requisite LTV through these means, your pledged shares may be sold and the proceeds applied to your outstanding loan balance. See your loan and pledge documents for more detail.
  2. 2.

    Loans through Prism are not available to residents of the following states: IA, WV
  3. 3.

    Once verified and approved, loan funds may be sent to your account via the federal Automated Clearinghouse system or ACH. Availability of funds depends on how quickly your bank processes the transaction and can take up to 4 days in some cases.
  4. 4.

    You may not use loan proceeds to pay for postsecondary eductional expenses, or to fund any illegal activity. In addition, loan proceeds may not be used: to purchase, carry, or trade securities; to refinance or repay any margin loan; or to repay any other loan used to purchase securities.